Every time these hit the news, the exchanges harden their defenses. That's good for holders of Bitcoin, but I wonder if usability for small transactions is hurt

Every time these hit the news, the exchanges harden their defenses. That's good for holders of Bitcoin, but I wonder if usability for small transactions is hurt. I asked someone with no prior Bitcoin experience to test a checkout process with Bitpay[1], and the 3rd[2] time they had to pull out their phone they were really frustrated at all the steps. Plus, doing that many on-chain transactions is going to add a 30% overhead to a common purchase. Am I wrong to advise users interested in single <$100 transactions to skip all the apps and use their exchange's wallet? I hear a lot of people recommending that everyone operate their own wallet. But since this page is in Bitpay's checkout funnel the wallet must be very important. [1] The "How do I pay this?" on a Bitpay invoice links to this: https://bitpay.com/pay-with-bitcoin https://bitpay.com/pay-with-bitcoin [2] Once to install the wallet app; once for Coinbase to set up 2FA; once to set up 2FA for the wallet app