We “are still early”…expectations for bitcoin to operate like the modern financial world out of the gates isn’t realistic. Remember when ATM cards first came out and there weren’t any ATM to be found, or when you did they didn’t connect with your own bank’s network? Even today, try depositing cash into an ATM that isn’t your own bank’s branded ATM—it doesn’t work.
Like most people, you don’t want to think about money from a perspective of logistics and mechanics. It should just work, and that’s fine to view it that way, but improvements are ongoing, especially at this point in time.
What led me to respond to your post was the idea of not needing to know how privacy and security works in order to use it, is a common principle. Few can explain how a common door lock works, or the tines of a key, and yet the still they carry keys and use them every day. *The principle of the key* is #modulo's raison d'être.
The UX of #bitcoin and the #lightning network isn’t seamless, but we have come so far, so fast, I am optimistic.