"Useful spending of that money would be UX issues, making the horror that is using this stuff bearable." 100%. Freeze all work on crypto except for fixes for n

"Useful spending of that money would be UX issues, making the horror that is using this stuff bearable." 100%. Freeze all work on crypto except for fixes for new problems that show up. All rest of money goes to hiring a UX expert for a design that anyone can pick up for common case and then implementing it.