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.
You say very precisely the crypto market is very complicated but the wonders that it brings are great. Because when Bitcoin was born with the Blockchain technology was applied widely in many activities of the world we change the world. Opportunities and challenges from the crypto market are great if we know how to make use of it can bring you wealth.