Sending blockchain value in a decentralized manner is anything but user friendly. Incoherent public addresses, man in the middle hacking risks on those addresses and errors in sending can cause a complete loss of funds. Blockchain usability is one of the major blockers to mainstream adoption.
Imagine a random person on the street learning what it would take for them to actually pay for something with cryptocurrency. The complexity of incoherent 34+ character public addresses, and the risk of lost coins associated with an error in sending given the inherent irreversible nature of blockchain, together with the lack of clear and understandable confirmation, is much more than the everyday person can comprehend.