Consumers ensure healthy liquidity, become users of last resort in downturns, and have many reasons to push past the more abstracted us in the top funnel where neobanks, other fintechs and tradfi will continue to prime the rabbithole with new believers. Some will leapfrog, some will discover, but everyone is set to enter a very different DeFI environment for consumer crypto. Lots to work out and by definition, new territory means lots of iterating on what fails and what works. But zooming out, the macro thesis on why more people will turn to crypto has never been stronger. Just a question of what will rip, when, and how.