It is very interesting to see how little by little, every financial institution is positioning itself to enter the crypto world and offer services. I am sure the mass market will join through banis and financial institutions, the nice thing, as you mention, everyone can join directly, so those vetoed by the regular financial world still have an open door to enter and participate and this is a huge advancement on shrinking social differences and giving the same opportunities to everyone.
I am convinced, more and more " individual financial crypto consulting services" will appear competing with regular banks lowering even more the entry barrier.
I just discovered this documentary published a few weeks ago. It is a very nicely produced piece of media explaining all the implications of Bitcoin and Crypto in society.