Same goes for payment methods. I recently tried to buy some crypto to pay for (legally) at some "legit" sites like openrouter. I gave up after 2-3 days. Tried exchanges in my own country and also some famous non-local ones that are legally compliant to operate in my country and goodness it was a clusterfuck of darkpatterns and nightmare of steps and waits and locks and what not. I finally just created a temp card on my banking app with tiny credit spend limits and got done with it.
We attack the wrrong problems. Like "make it decentralised"! The thing is the decentralised immediately becomes centralised for any meaningful usage and often much worse and slower and in some cases costlier. Imho, we should rather work for "make them accountable" and the accountability should be decentralised to different countries and eventually to people. But then this happens via Govts and even the ones that are actually elected by people don't like to give such powers into the hands of the people and lose contorl.