I predict that the next generation crypto wallet will come from large companies like JPMorgan, Lloyds Bank, HSBC, Microsoft, Apple, X, etc... they will make the crypto wallet look just like a normal app and provide security, insurance, etc and they will deal with the seed phrases, scammers etc in the back end. So basically things will look almost the same as today's banking apps, except the back end will be powered less by traditional FIAT money rails and more by crypto technology