The biggest risk is actually user experience, which is like so many people can get exposed to this technology because everybody has a phone. There's now five billion phones in the world that if the guardrails aren't in place yet and there's too much friction and people come in and they just lose their wallet keys or something bad happens you could poison the well. I think there's a lot of work to do on the user experience. This is probably the big bottleneck now. And then we have to cycle out an entire generation of people to forget about having lost money because it was such a pain. Some crypto users are paying very high fees for access to these services but don't use them

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