I work in a highly technical field and am extremely comfortable with information technology, and I have screwed up 2 or 3 of my 10 crypto payments in the past month. And also managed to get permabanned from Kraken. Crypto is definitely not too *simple* to mess up.
There are fun complications like when the sales reps say they take USDT_ERC20 and then give you a Tron network address, and now you’ve got to go convert all your funds at a cost in time and currency. Or the wallet/exchange UI isn’t super clear and you type in $100 for how many USDT to send, but it’s actually in “typing in USD units, which I’ll auto-convert to USDT” and you send a slightly wrong amount, and their payment software doesn’t recognize the payment at all. Or you need to go buy some extra Ethereum or TRX just so you can pay the network fees to send your USDT, because you can’t use USDT itself to send USDT, god no. Thankfully I haven’t mistyped any wallet addresses, or used them on the wrong network, and sent money off into a black hole. Then there are all the helpful features like exchanges (including PayPal) deciding that actually using crypto as a medium of exchange rather than just speculating on it is extremely suspicious behavior, and block your ability to transfer out of your account for weeks at a time, and please don’t call us, this decision is final and we cannot explain any further. The list goes on and on…
It’s wonderful that we can have crypto to use, but it’s a usability nightmare.