Stop and imagine you need to pay someone say $2000 that painted your house or performed another service.
And you wanted to pay them in BTC
And they heard of BTC and have no problem with the concept but never used it before
When you realize what you have to do - the explaining, the convincing, the handhold, how much time it takes you get them onboard and how much time it takes them to go through the process and have it converted to fiat in there hands.....
Until this is streamlined......
Good point. Not everyone wants to be her own bank, just like not everyone wants to be her own brain surgeon. Because time-consuming, nontrivial tasks.
The good news is that the process is being streamlined. When I can tell this person to register for an ATM online, got to the convenience store and
withdraw the cash then things will get moving.