The target for this is not yet the average adult anyway. Target would be precocious kids.
The average adult is absolutely your target. Your average adult is the one with a brokerage account, 401(k), IRA, etc. etc.
You seem to be forgetting who the owners of the Company are. Senior management is not answering to "precocious kids" they're answering to shareholders. You know, the average adult?
No, that is not the target.... at all.... since when is adding a payment method a board/shareholder level decision?