The thing about Web2 payments in developed countries is they’re already good enough, and that’s exactly why Web3 is a tough sell. If someone is unbanked, stables and crypto can be a clear step change because they provide access that didn’t exist. But if the rails already work, most people won’t switch just because it’s “new” or “more decentralized.” Old rule applies: if it ain’t broke, don’t fix it. So if you’re building in Web3, you can’t win with “a bit better.” You need to be dramatically better for a specific user segment, and that’s rare and hard. Same pattern shows up outside crypto: EVs face friction because gas cars are good enough for most use cases, and the metaverse runs into the same problem because existing ways of working and socializing already satisfy most people. Just an observation.