These posts always seem to focus on Bitcoin which of course is easy to dismiss and isn't likely to make any major changes anytime soon. If you want to talk about a financial network and something end users would actually use then articles should focus on something like Ethereum which does support decentralized finance applications and has easy to use interfaces such as Argent that normal people can use without technical knowledge.

>Crazy price gyrations are far too wicked for the regular money-using public to tolerate

This is what stablecoins such as DAI and USDC are for. People will use stablecoins for their everyday lives as it's built for being a medium of exchange.

>It's too awkward for most people

This is still true to an extent but most people would have no problem using Argent.

Average people need easy to use savings accounts. Easy ways to save and invest their money for the future. One click ways to purchase products. These can't happen on Bitcoin but they already exist on Ethereum and DeFi. All possible in a trustless way.

There's a lot of development happening on web3 right now but if you focus entirely on Bitcoin you will miss the important parts of what make this space interesting.