They will eventually approve ETFs. There's roughly 30 trillion in retirement accounts in the US. Some percentage of this money will buy crypto ETFs. The paycheck-to-paycheck mentality will continue to exist whether those paychecks are BTC or USD. For some people a retirement account will be the only outlet to accumulate crypto and hold it, irrespective of whether they use it for day-to-day transactions. Crypto tied up in retirement accounts will be taken out of circulation. IDGAF about the ETF timeline, but at the same time I'm not going to downplay the potential here.