I see your point and you are possibly right since most of the people are anyway quite uneducated about financial issues, even here in crypto. I'll join your telegram to keep an eye on the project.
Yes, unfortunately most of them are not that well informed about cryptocurrency and even fintech this is why we chose to reduce as much as it is possible the interaction of end user with the tech by providing blockchain technology trough a friendly UI.
Test Net #3.5 Under Maintenance
This is because we will have few more updates until test net 4.0. But now every think is going well. We will reactive the updated WebRTC network soon.