Centralized financial companies are constantly working on solutions to make transactions between different parties as easy as possible, however, the cryptocurrency and blockchain payment solutions are very complicated for the average person to use.
Until this is put in check, cryptocurrency payments will never have a chance to overcome fist.
That's an average person will say if blockchain is complicated to understand. It is quite simple and transparent, you see bank transaction cannot verified right? While blockchain can be seen via public, the problem is the address use has no name which I think good to stay like that since personal file is also important to keep.