My parents, which represent an average person nowadays, do know how to put card data into a site to pay something. What they don't know is how to pay with crypto, even more- for them cryptocoins= automatic scam. Web3 can be a nieche solution for some nieche ppl, but I don't see how it can become mainstream now, as a business you anyway need a classic payment processor bc too few ppl know what is crypto and how to use it