@dajbelshaw They dont need it explained. Just as people dont need to understand the technicals of how a credit card works... All people need to know to use a credit card is to hand someone the card and go "use this". Crypto is no different.

We already have visa credit cards backed with crypto. We already have bank debit cards that store your money as crypto to back it. So there really doesnt need to be any understanding, they just tell their bank "keep my money as crypto not USD" and other than that everything is the same as before, except now they make 5x the interest plus whatever the value of the crypto itself rises. For those more technical though they can skip the bank entierly.