Then you won't ever use raw bitcoin.

You'll continue using a service that obfuscates their use of bitcoin and lightning, like you do now with services that obfuscate their use of Fedwire and SWIFT. They'll provide you with consumer protection services, either for a fee or in exchange for harvesting and selling your data, like they do now.

I'm not suggesting that everyone is going to use raw bitcoin and have to manage their own keys. I'm suggesting that nation states and corporations (and many individuals) will all rebase their money operations on an open network, digital protocol. Bitcoin.