A BTC wallet is infinitely more user friendly than a banking website that only works in chrome xor firefox and constantly locks you out for reasons they don't want you to know about and severely limits your transfer sizes. If you do EFT and wait between 3 and 10 days each time, even bitcoin is better than this.

Centralized web is horrible and dead. Literally _anything_ is a better alternative. The user can be convinced to adopt superior tech even if he does not explicitly know the problems. It just has to feel better.

> it doesn't need to be technically elegant, but user-facing elegant.

dont worry bro. the "set user = happy" voodoo dance has already been done. every cryptocoin wallet is a browser plugin or mobile app with 90% of code for themeing with all the bugs and slowness smartcrap/web users are accustomed to. you are even discouraged from rnunning yoyr own node