Call it a UX problem. I've used BTC here and there but I'm still not confident that I could keep my transactions silo'd, from a cursory look at the blockchain i

Call it a UX problem. I've used BTC here and there but I'm still not confident that I could keep my transactions silo'd, from a cursory look at the blockchain it seems obvious that you can "follow the money" from a de-anonymized transaction (Say, I pay you for a service in person, so you know a wallet address that belongs to me) to other wallet addresses and balances associated with me. I can't blame people for losing interest / calling bullshit on crypto before spending hours diving into the details of L2, derivative wallets and multi-sig etc etc, details that ameliorate the skepticism. Also these things change over time, so maybe Lightning was unconvincing 3 years ago and skeptics just haven't given it a second look. (This is me, but I'm slowly being convinced that L2 really does make this stuff practical, but for a long time the transaction-per-second and unrecoverability of lost keys made the whole field very uninteresting)