I found that in the matter of stablecoin transfers, the real deterrent for people is not 'not knowing how to use it', but the fear of making mistakes: choosing the wrong network, not receiving funds, sudden increases in fees, cross-chain issues, sending the address incorrectly and being unable to withdraw... each of these is enough to create a psychological shadow over on-chain payments.
Because projects like Plasma, which focus on the stablecoin payment experience, truly value not in the promotional phrases, but in whether they can smooth out these 'fear points': reducing steps, lowering failure rates, and ensuring that newcomers succeed on their first try.