You are right, but the benefits for the normal user seem small compared to solutions like PayPal or ApplePay. I also think wallet providers are important, but they have to show the real benefits BTC has through giving you full control of your money (private keys) and also explaining it to them ("here, your gov just can't tax your saving suddenly and nobody can shutdown your account, because your are selling cuba cigaretts").

But yes, any new uneducated user is better than no new users. They provide liquidity and normally they have at least some basic knowledge about BTC being not controlled (atleast) by their own government - at the end, they can educate themselves later.

Personally I just fear, that new banks will be built on top of Bitcoin to a state, where you can't/almost can't use Bitcoin in the intended way (White bitcoins, any bitcoin the gov/bank can prove it has an identifieable owner behind it are onyl spendeable, see BitLicense) or that users will be kept in a ecosystem consisting of BitPay and Circle/Coinbase, similiar to the Internet back then with AOL or now with Facebook (this issue was worse a few years ago tbh). Then BTC is controlled by a few banks and govs and we are at the old system