I disagree. At least from the standpoint of the average end-user; sending or receiving a payment with a mainstream cryptocurrency is not meaningfully more diffi

I disagree. At least from the standpoint of the average end-user; sending or receiving a payment with a mainstream cryptocurrency is not meaningfully more difficult than doing that with something like PayPal or Cashapp. Different, but not more difficult. And this is with a wallet where you control your own keys. If you use a centralized site like Coinbase then is basically indistinguishable from something like those other apps.