Yes we have. No we aren't going to tell you how.

I don't even know that people want that though, which makes it a questionable focus. I'm sure you feel differently, so best of luck trying to create this mass scale consumer-driven solution you seem to envision (and I mean that sincerely -- I hope you succeed).

Honestly most are pretty happy with credit cards (would be better with a bit stronger security but that is an implementation detail), Apple Pay, Paypal, etc. Decentralization is interesting and has compelling advantages, but getting ordinary people to actually care about that difference seems an uphill battle, and the natural market for this technology seems elsewhere.