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The point of cryptocurrency is that you don't need a private or government middleman.

My hope is that Ethereum 2.0 will become popular and there will be point of sale terminals that support it natively.

With everybody using online wallets this particular aspect of crypto is long gone.

There are over 30 million BTC addresses with a balance. So if everyone used "online wallets", they'd either have to be intentionally leaving dust in their exchange wallets, or there is some Superman 3 salami slicing going on and the exchanges have very patiently held off on sweeping up their ill-gotten gains.

I was not aware that every single exchange only has 1 wallet for all of its users?

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