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.
Probably it is only complicated to those people who are not deeply knowledgeable in crypto currency. Especially if they are frustrated and disappointed about it, due to encountered loss of their coins while bear market was in progress at this time. Therefore, it is not complicated as long as you are using it in a proper way of manner dude.