Bitcoin has Wall Street products now, but most savers still don’t own it. What’s missing?

Overview

I’m a financial engineering grad student at Stevens, looking at Bitcoin adoption for a project. Several savers I’ve talked to like the idea of Bitcoin but have never bought any. JPMorgan just sold notes tied to Bitcoin that run five years, and options on BlackRock’s Bitcoin ETF are listed out to January 2029. Yet Gallup found in June that only 9% of American adults own any crypto, down from 14% a year earlier. For people building in fintech, what’s actually holding it back? Distribution, trust,

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