I see a different future. As layer 2 comes online, and capital continues to flood into Bitcoin, I imagine people having a layer 2 “checking” account which consists of Liquid or Lightning funds for instant low-fee transactions, and a “savings” account of Bitcoin. When they earn money or get paid large amounts, they will put it in savings to preserve the value, instead of losing it to inflation. Periodically they will transfer some to their checking account to pay for goods and services.