Can we stop here and have a discussion about this? Every example I have ever seen of interception is either "coffee shop Wi-Fi" or government surveillance. Are those the main threats?
"Coffee shop Wi-Fi" seems like less of a threat each year. AFAIK WPA 3 means you get an ephemeral encryption key when you connect. Additionally, tethering seems to be more and more common these days. Both solve this problem, no?
Government surveillance is a different topic, but given how prevalent TLS termination is (any website using CloudFlare, for a start), I'm not so sure it helps - the NSA probably still have all your data.
Who is crab nowadays? Is he still a threat? Do we still need TLS even with WPA 3?