Its not that simple. I'm an investor in NXT but I struggle to use and see the system as user friendly for the masses. Apart from Bitcoin that does have some flaws there is clearly room for a system that might have similar functions but puts it together in a way that the masses can use and we can see mass adoption. WE are very early in the age of Digital currencies. The field is very much open. This is all about who will inspire mass adoption, so far even Bitcoin is a tiny, tiny fraction of money movement in the world.
That is the difference between protocols, networks and user interfaces. The latter is for the masses, the former two are for a solid foundation.
Maybe, somebody could explain to me why Average Joe knowing nothing about Congestion Avoidance and Traffic Control yet is able to use Chrome.