OK so its not trivial, but I really don't think it's a UX problem. Your grocer and your landlord don't accept crypto not because they can't figure it out, but because so far it hasn't shown itself to be an improvement.

It's got superior privacy properties, sure, but for most people that's not enough. Its gotta be better on other merits too. Until then it wont matter how easy it is to use because you'll still have to turn it back into fiat to use it and now you've just reinvented the problem you were trying to solve with crypto in the first place.