Everything that is on the bleeding edge will be filled with a lot of "nerd talk." Most of that gets abstracted away naturally as it becomes more mainstream. There are still a LOT of Bitcoiners who have never made a Lightning transaction, let alone used eCash via Cashu protocol or a fedimint, so we're definitely still in the "bleeding edge" phase.

And you're wrong about one thing. People DO talk about the various payment rails they use to transact in the dollar all the time.

"Just Venmo me your share of the bill."

"They only take cards here, not cash."

"When are they going to get with the times and let me use Apple Pay?"

"Can you believe that lady in front of us still pays for her groceries using a CHECK!?"

So we really do talk about each of these different ways of making transactions quite often without realizing it, even though we all understand that they are just different ways of using the underlying monetary unit of the dollar. And we don't consider it "nerd talk" even if we don't really understand how each of those payment rails work under the hood.