In this talk @wilderko explains why is fiat more complicated than bitcoin.

I want to add one thing for merchants. Credit cards:

1.) open a bank account for company, often it is half day at a bank, especially if they decide to screen what type of business you do and when you tell them you want to receive credit card payments

2.) find provider to provide you with terminal. sign another contract

3.) deploy terminals to all places where you might get paid. teach people how it works, what happens in cancellation, how to do refunds

4.) money arrive a few days later at your bank account

5.) optionally taxed (slovakia, hungary)

Bitcoin:

1.) install bitcoin wallet on your existing device

2.) click receive, enter amount, click receive

3.) payment either went through or not

4.) if you want multiple places to accept, send everyone a "receive only" link, they can bookmark it and receive lightning payments

So why is Bitcoin "complicated"?