> Right now with the world of crypto is confusing to the average guy, so hopefully in the future someone will create a good UX and the underlying to protocol for instant decentralised payments.

So... Napster and LimeWire?

You can't break cryptocurrency's weakness for this kind of adoption without dropping decentralization. Same conclusion that iTunes came to. People wanted downloadable music, not a specific implementation detail about how that music is delivered.

I, for one, don't want easy access to crypto "currencies". No matter if it can be made safe.

I wouldn't touch it with a ten foot pole. I just don't see any sense or reason in the concept.

It's mighty arrogant from crypto enthusiasts to assume that everybody will jump on it as soon it just can be made mainstream and "safe".

Thanks, but no thanks

The subtleties of crypto are inscrutably intricate, but for simple transfer between two parties, Coinbase exists and its UX is easy enough. Of course, it's the opposite of decentralized, which defeats the point.

Or they could use a bank. They generally have fine UIs and secure protocols.

and how are you going to pay when the bank closes your account because you broke their terms and conditions. That is where you need decentralized payments.

This simply doesn’t happen at a rate nearly high enough to make griftocurrency a “need”