Bitcoin will never scale if: 1. Everyone is meant to verify code 2. Everyone is meant to run a node 3. Everyone is meant to know what an XPub is I've said this all the time - maxis scream at me, I am still right, they are still wrong. They are out of touch with normal people. I know some of you are like, well I did it, don't trust verify - well done nerd, but you are a tiny tiny minority. Sure there will be a hardcore group who will do all this, the nerds that keep the system honest. Normal people will keep on exchanges, use ETFs, sometimes single sig. If you get someone to multi-sig, well done, it will be rare, but well done. Many will just trust well structured institutional products. Cry as much as you like, I was right before and I am still right.(Peter McCormack 🏴‍☠️🇬🇧🇮🇪)