my guess is that it may actually be faster than that, but i’m a born optimist 
things are already moving in that direction, though
the most gullible punters are going to end up being to some extent financially protected whether they like it or not - even the ones who like to whine and complain about what they see as excessive regulation (some even think all regulation is excessive by definition!)
to be honest i actually have quite a lot of sympathy with them, because it’s not their fault: the regulatory outcomes we’re gradually seeing more and more now are simply the inevitable result of the whole industry’s longstanding historical refusal to regulate itself adequately in the face of increasing public (and therefore political) pressure to do so
no mystery there! 
the very vociferous (but actually very small) minority you see complaining in forums about “over-regulation”, in this context, are typically (albeit not universally) a self-selected group of the ones who have no idea of all the advantages, safety and ease of trading forex futures rather than forex CFDs: they want the nasty, crooked, dishonest, cheating world they’re used to to be preserved because they’re unaware of the existence of anything better