IMHO, the biggest problem is that onboarding is monopolized by KYC platforms. They run the biggest acquisition funnels. So millions meet Bitcoin for the first time through passport uploads
I’m actually working on a project that helps people carve out independent digital space in authoritarian countries. There’s already an MVP: by the end, a user with zero crypto experience ends up with a non-custodial Bitcoin wallet and some SATS (btw would genuinely value your feedback on it)