Just some bullshit I would say. What's there not to understand? People with basic common sense will understand how to use it and keep it secured. If you talk about the technical part, then that really doesn't matter. Do you think most people know how the fiat money circulates? How it is created (printed) and what factors affect those? Nope. But they know how to use it. Same goes for digital currency payment system (like paypal).
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a) crypto is built for machine to machine payments
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Care to explain?