Proof of solvency and beyond
Well maybe we should accept crypto isn’t for the masses. Maybe banks are good enough for that use-case (users who want convenience because they can’t be bothered to learn how to manage their own coins).Maybe vitalik should focus on preserving decentralization instead. As far as I can see it the biggest flaw in cryptocurrencies — including Bitcoin - is when you look hard enough you realize the  decentralization is a facade.