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.
Indeed, for most people who are old, Bitcoin is quite difficult because they lack knowledge about good technology, but for people who know technology well, I am very confident that Bitcoin is not a complicated and difficult to understand. Let's think carefully so we can use Bitcoin correctly.