I think the all examples you give are "technically" ready and can be used somehow. Therefore, the "hard" part seems to be that they are high learning costs, reckless, or not usable by the masses. Recently, I have come to believe that since Wall Street and Silicon Valley will take care of penetrating the masses, it is important for Bitcoiners to keep to stick to telelogical and ontological problem setting, such as non-custodial, decentralization, and privacy, and not focus on the fact that it may be a little difficult to use or that the masses are not using it. That being said, I understand that there are problems in daily life and business growth and it's getting closer to a something of noblesse oblige. If the BTC price crashes, I may not be able to say this.