It's not about user experience, it's about what you grew with.
Most of people use dollars, euros and other fiat currencies without knowing squat about their fundaments. They simply grew using it.
It is not that they use it because they grow with that but because they are forced to do so.
I can see a lot of old people now using credit cards in markets and stores for their purchases (especially now with the covid situation and the contactless payments).
They didn't grow using credit cards - they are just forced to do so... and their behavior changed to that direction