Same. At one of our bitcoin meetings a couple turned up. Husband wanted to stack, wife uncertain. She did same thing on how it works. Asked her how long a payment from USA to Costa Rica took to settle, she said 2 or 3 days. I pointed out that just the iou balance on your custodial account. The settlement? Who knows, maybe 3 or 4 months. She looked proper confused until I explained settlement then told her she had no idea how fiat works anyway. Straight to “how do these hardware wallets work”