I think you may be right.
Aside from the "not your keys, not your crypto" issue, staking crypto works pretty well as a savings plan. Consider this... when you have fiat savings in a bank savings account, it's very easy to just make a quick transfer because you need to buy something. When you have those funds in staked crypto, it takes a little more work and time to get your hands on that money. As such, it's a more effective savings tool.
It'll be interesting to see how PayPal's entry into the cryptosphere will impact things... suddenly you have a way to hold crypto that half the people on the planet have easy access to. And let's not forget that PayPal is not stranger to "disruptive financial approaches:" After all, they disrupted the banking system by popularizing the idea of "Non-bank peer to peer money transfer."
As an only slightly related aside, I consider my stakes tokens here to be a savings account of sorts.
=^..^=
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