That is a great point. It may be a while before that happens. The closest thing we have is Coinbase, and Coinbase has no ties with the regulators or the government yet. We need Goldman to get involved with crypto in a major way. Goldman is a revolving door of former SEC and government employees.
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I don't think it will take many years until big companies get involved in crypto industry as reputation and value of FIAT is at all-time low currently...
In just few years nobody will talk about FIAT anymore as there will be no ATMs or physical banks anymore. In Europe a lot of countries have almost completely ceased using cash and use mostly credit or debit cards.