Saying that people need to know about something (or understand it) in order to use it or want it is a pretty ridiculous statement and here are some examples why:
People must know about the existence of something, must know what is that thing, must know what's the purpose of that thing, and finally must have some basic understanding of that thing to be able to use it.
Would you rather have a soda machine or https?
Would you rather have a cabbage or a 4-d printer?
Would you rather have a paper plane or MS HoloLens?
It depends.
If I don't know WWW then I not even going to notice https, but most likely I'll use the soda machine.
If I don't know what is that big box and what's the purpose of it, I'll turn it to a fireplace to cook my cabbage.
Of course hololens! Cool sunglasses mate, a bit heavy tho'...

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And lets not skew what the question really is: would you rather have a non-private digital payment process (that already exist for credit cards) or an already more private process that has been augmented by confidential transactions?
Stop a random bloke on the street, show him both wallets and ask him which one he likes more.
Dash didn't invent soda machines that accept digital payments, they just managed to turn one into a billboard.
Yes they turned something to a billboard and illustrated that it's just working in any simple, everyday use case.
You see, Microsoft didn't invented the computer or the internet they just wrote some crappy pieces of software what made computers and internet easy to use for average Joe, they've also made a lot of noise around their stuff and they made a fortune. In the meantime DEC what actually invented computers, have made the finest OSes of that time and was around the development of the Internet, crapped out because of the lack of user friendly products and good marketing.
My point (and you missed it) is that people, when they find out the use of a thing, don't need to understand it--they just need to know what it does, and if you would chose a soda machine over https or solid cryptography, while knowing what they do, then you would be a dumbass. Dash's cryptography is flawed, so comparisons to Microsoft are ridiculous.