This already happened 10-20 years ago when personal finance got big on the Internet, it’s just taking a long time to play out.

It was never about ROI anyway, just preservation of capital and peace of mind - makes a lot of sense in the analog/less automated financial world of yore when non-professionals were writing checks or wiring money to people over the phone, and checking stock prices in the paper.

There will also never be a way to pay $10/mo for Gecko+ and trade your way to a lambo with it, because whatever advantage an amateur investor might have is purely from their niche knowledge/information/heterodox beliefs, though I give it about 6-18 months until we’re hearing all about it because it’s a timeless siren song.