I'm not going to comment on the general purpose of this post as I am too ignorant to even sound like I am making sense. What I will do is personalise some of the issues raised.
People who understand or know how to work with crypto/blockchain are snobbish about it. When asked questions or for help, they either tell the asker to do a google or else they give a complicated reply which only someone who already knows the field can understand.
I was there when the internet first started and what you are seeing happen now did happen at various times as those who were ahead of the main population saw opportunites to grow or to make money. It comes with the frontier mentality? I hope so. (lol, saying this reminded me of how wonderful I felt when I bought my first 5GB hard drive!)
What mostly interested me was your promotion of FIO - I am trying to start a new business on line and have been trying to learn how to create/install and use payment gateways. It struck me that FIO could be useful but there is one aspect of trade not handled by FIO, as far as I saw.
If I am charging, for example, US$60 and someone wants to pay me in their own local currency, there are many companies offering apps that help with the transaction and they ensure the payment is the equivalent of my price. I do not see that with FIO. It would need to know what the exchange rate between the ETH and USD is, for instance, so as to make the calculation and guide the buyer.
I hope my comment made some sense and look forward to hearing that FIO can now do the conversion, as it would help me offer another way for customers to make their payment. I also have to pay them back some money every now and then, so it would work for me as the payer also. The fixed annual fee is low and simplifies the costing so that I do not even have to charge my customer one cent.
Thanks for your comment. I don't agree with your point 1 because many who did figure it out are telling you exactly how they figured it out. They searched google, spent hours (days sometimes) in forums, they studied, read, tinkered, practiced, failed, lost money, made money, etc. They put in the time and effort. They did the work.
You know what can also sound snobbish? When someone who hasn't put in the work talks to someone who has spent years putting in the work and just expects everything to be handed over to them in simple terms. This is complex stuff and it doesn't work that way. Sufficiently complex systems can't always be explained in simple terms. I tried with videos years ago which you can see here http://understandingblockchainfreedom.com/ but ultimately, this is complex stuff and you have to put in the work to understand it.
As for FIO, it has no intention of being a crypto payment processor. There are many out there like BitPay and Coinbase Commerce and others that will do what you're wanting. We plan to integrate with them, but we won't be holding or dealing with any user funds or money transmission or conversion of any kind.