I'm sure many of you have heard this thrown around here and there. Does this refer to user experience? Protocols? Perhaps both?

As I understand, in 1994 the Internet was still at its infancy. People didn't really know what it was yet, they didn't know what it could be. Does that mean right now we don't know what bitcoin will be used for in the coming years? Do we not know the "killer app"?

I've also seen people online complaining that bitcoin is too hard to use and that it's too confusing. Is this another reason why people compare bitcoin today to the Internet in 1994? I'm a software developer so I might be a little biased, but I don't think it takes a genius to use the blockchain wallet app I have on my phone. What needs to be done to make it more accessible? The only difficult thing I can think of is exchanging fiat for bitcoin.