Someone needs to invent a decentralized on/off ramp.

Seriously. This would be an insanely massive opportunity ($1T end market in fact, even in this bear landscape let alone the sheer volume).

They would be the sole player. The main concerns to navigate in decentralized governance would be the concern of tribalism among stakeholders, getting shut down prior to launch / achieving critical mass, and shitcoin / scamcoin flooding.

Hell I'd do it myself if I knew anything about legitimately building a decentralized protocol. I mean, is this even possible? We always talk about central points of failure and I feel like this is the last wall that is holding crypto back.