At least part of the answer @taskmaster4450 is our human nature tendency to always look for the "Easy Button" in life. The use of crypto is still quite complex for most people. Unless and until a proper motivation is provided to overcome that basic tendency, people tend to remain "stuck" there ...

Those of us who have been "in here" for awhile, can forget how steep that initial learning curve was. Just talking to a family member yesterday, she reminded me ... 

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