I'm not confident that you are properly simulating the mindset of the uninitiated.

"here's this thing, it's really great [a bunch of stuff they've never heard of and don't understand] and all you have to do is park a whole bunch of money in it in order to receive payments!" followed by "Ohh yea... that payment failed because your inbound liquidity is too low - just park more money in it!"

this sounds insane compared to "install Cash app, show a QR code"