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10 USDC to 10 people that share their thoughts on what's holding them back from using a smart wallet. @bountybot 

If there are more than 10 responses after 24h, I'll pick based on quality, etc.

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For asking this question it may depend to the AGE Group and how TECHY a person is

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But most common would be the privacy and security in general why people hold back from using smart wallet

And some people may find it complicated to use inshort they are unfamiliar of it

So for me it will depends to the smart wallet on how they will showcase their platform, such as enahance security mesures, user friendly interface.

Agreed a simple UX can make or break the entire experience