I doubt that every person at the moment understands how electronic payments go through the banking system! And I dont understand why people need to understand the technical side of this process! We drive cars, use smartphones, computers, but few understand how they work! We only know that it is convenient and fast!
the function and use of crypto currency is practically fast and efficient created along with the times and non-technological developments if it is said to be very complicated, of course the state and government have not legalized the crypto currency as the applicable currency