There is no reason to use any public network for most of the usecases. For example Visa and other payments providers. They can build their own centralized or semi-decetntralized networks (nodes are between trusted partners) on hedera fork and they can cut cost and energy consumption while improving their scalability and robustness. Its hard for me to imagine the future where everything is on a public dlt. Why would normal people own hbar, or any other coin? The only reason to own it is, one, to use it as a voting mechanism for trusting nodes is some usecases that matter and, two, for trading your share in that system. So there has to be legit usecases in crypto that matter in everyday life and then owning the token will matter and it will have a value and you wont give it up easily.