It's not just financial. Those things are incredibly hard for ordinary people (or busy technical people) to understand and use. Only nerds with lots of time on

It's not just financial. Those things are incredibly hard for ordinary people (or busy technical people) to understand and use. Only nerds with lots of time on their hands use such systems. My UX rule of thumb is: every step required to set up or otherwise adopt a new technology cuts adoption in half. Example: if your audience consists of a million people and it takes 10 steps to set something up, about a thousand people will end up using it.