I was working on my own payment startup idea a few years ago - and paying by phone was a surprisingly huge marketing bullet for most people. Paying by phone was

I was working on my own payment startup idea a few years ago - and paying by phone was a surprisingly huge marketing bullet for most people. Paying by phone was a necessary side effect of the real business (crypto based, privacy protective, a few other things)... ...but what really got people interested was the paying by phone part. Had I had a real brain, I would have pivoted (or at least held my nose) and worked on something "Square" or "Stripe" like, to get customers and money and traction, then added my secret sauce once I was already in the market. Why was this so compelling? Because most people leave the house with 1) their phone, 2) their keys, 3) everything else. If they forget 2, they go back for it right away. They can be in line at Starbucks or the grocery store or wherever before they realize they forgot 3. If they can pay by phone, they're good. Thems of us here on HN who wallet-pocket, key-pocket, etc., are in the minority. We are in the minority for most things. That's why so many of us have a problem connecting with broader markets, let alone mass markets, at least until we realize how to recognize and understand what the majority are doing.