No more complex than opening a bank account, and finding a way to get cash to put in it, whether that’s getting a job, prostitution, selling things, etc.

I don’t want to keep arguing, but I disagree. Even the most simple person in the world can open a bank account and put money in it. “Tap to pay” and e-transfers are as easy as they get, and cash withdrawal is something that anyone can do anywhere in the world.

Talking about “fiat money” and “XMR” and “coins”, isolates like 99% of the population.

Someone working at McDonalds can easily get paid and withdraw that money to use in a real store they can walk into. How does one even attempt any of that with Monero? Can you pay your mortgage or electrical bill with Monero? What about paying someone to fix drywall?

Monero may be a fine option for some, but it’s nowhere close to being a mainstream option for ordinary people.