The average investor is fearful and lazy. If you want to optimize your protocol for mainstream adoption, that's who you are optimizing for. How to make it easy? How to make it look safe? I think Terra achieved that, to a certain extent. Anchor on Terra was the only protocol that I was able to introduce to my normie friends. Mirror also had a great appeal to normies. It felt easy, it felt safe. Yeah, I know, it went pear-shaped in the end, but you get the gist. Terra showed the way, at least conceptually.