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.