My dad is in his 70's and has had his identity stolen 3 times! He hates having to use credit cards. That is one huge argument for crypto, everytime he has had his identity stolen it was a breach of a large chain store.
In crypto your dad can still have his privatekeys stolen if hes not carefull enough
At least then it's your own fault, and not completely out of your control and the fault of Target, Sony, etc.
And that is supposed to make it better? You get to lose your money AND feel stupid.
And losing your money by trusting a third party
wouldn't make you feel stupid? Really? ...
But that money is usually insured, so not so dumb if you lack the capabilities, time, or desire to learn how to secure your own funds.
As long as Monero creates a better method for securing funds for the politically motivated and the technically capable, better protections should be created for those who aren't politically motivated to secure their own funds or who lack the technical capabilities to do so. In a libertarian's or crypto-anarchist's ideal world, everyone would both know how to do this and be willing to do so, but that's hardly the world we live in, so almost best methods will have to do for most people.