Consumer apps need to focus on relief from complexity vs adding complexity. 

A good (and hard) litmus for consumer crypto apps is if they offer relief from existing complexity instead of adding more. 

Stablecoins, for many kinds of transfers in large parts of the world, do this.

No truer words have been said. I had an interview for a software position at a traditional bank last month and I legit told them without restriction my go to dream project will be to move everything on blockchain. It solved cross boarder payment instantly!