It's not about the tech. IMO a payment should just work. You don't need to understand the technology. It's foolish to expect people to know the tech in and out,

It's not about the tech. IMO a payment should just work. You don't need to understand the technology. It's foolish to expect people to know the tech in and out, it is irrelevant for 90% of people. There's no need to have cool applications of blockchains, there's only need for decentralisation.