And if you don't want to rely in third-party gatekeepers, how most people will use it? In your phone? in your (for the majority, windows) pc? You can't use gatekeepers because a lot got hacked or just run with the coins, and you can't have them yourself because the most used platforms are ripe for external exploit, either making the user do something or just making popular good looking trojans.
And if that insecurity is not enough, having over that government sponsored weakened encryption algorythms and mandated backdoors don't help a lot.
We are still not ready for a distributed digital money in those terms.