I guess, the main problem are the still existing technology based hurdles along with the novelty factor which demands a bit scepticism. That's why I would say, not more than 2% of the population can or would use crypto as you recommend it. Of course, for the remaining 2% of curious and/or tech savvy people out there, your call to just use it is absolutely correct... and sometimes even somebody like me stumbles over it and so it starts spreading.
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