No, I think it's about the mental model, not about ease of use. We'll get past it, but I think the fact that no one is holding your cash in a vault that makes bitcoin so weird.
I agree, the question that I've gotten most from folks is "what even is it?" It's a big enough imaginative leap from what most people are use to using fiat banking apps that there's this process of trying to figure out how it's similar and how it's different. I almost think it'd be easier to grasp if it was utterly dissimilar.
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