You forgot one. A "reason" to use it. This is why many people don't use it either. They have no reason that makes them want to find out how to use it.
Cash and credit, and debit, all seems to do the job. The real reason is for sending money far away for cheap. Most people don't do that a lot.
If you're in the US, 20% off Amazon via purse.io is a pretty good reason...
i included at some points cheaper transactions etc