We need 1 instance for every individual, that's the problem. Non techies who already have privilege to access internet should be able to instantiate their own instances very easily.
I'm all for it if we can get there, but I think a wide range of individual, federated instances is a good step in that direction, and even that would be a huge achievement.
I think something like Opera Unite had the potential to be a single instance per person if that ever caught on.
I think Mastodon as a native or Electron app that uses bit torrent protocol should do it. Not sure what's the problem with that or I am too optimistic.
That would be optimal, but I don't think it's strictly necessary. The fundamental requirement is that, if the owner of an instance behaves poorly, users should be able to move elsewhere without being cutting off from the larger network.