From wallets and key management, to on-ramps and gas fees, there is still a lot of deployment to be done before web3 is approachable by normal people. That said, I mostly consider these questions to be largely execution problems running through some known currents like layer 2s and layer 3s, smart contract wallets, MPC, batch transactions, social recovery and sign on etc. Our smartest people are on it, and basically we are on our way to having our Ethereum values cake and eating our web2 user experience cake too. It’s because of this that I find value risk to be a bigger threat to the future of web3 - the risk that these interesting and capable technologies are not really good for much outside of speculation.