That's so true! Biggest piece of infra we need is fiat on/off ramp. Once we get more direct crypto acceptance - we can depend less on TradFi.
Ironically, all value is driven by network effects.
Huge network can also make P2P easy for everyone. Right now P2P is a tiny niche. Bring enough money & sellers..... we've got ourselves a parallel economy less influenced by bankers.