this isn't a fundamental problem for anyone who isn't caught up in this weird ideologically libertarian crypto cult.
Virtually nobody wants to 'actually own' money or do whatever they want with it, they want to buy groceries, pay rent, or put it in their bank account.
If people wanted to actually own stuff they'd buy pinephones instead of samsung galaxies.
Well until a few centuries ago nobody wanted to have electricity sent into their houses. The masses don't care until it becomes part of life. It's always the quirky pioneers that care first.