Makes a lot of sense, and this is also one of the biggest issues with USDC in payment scenarios. Why would users who are already accustomed to USD payments switch to USDC? What's the reason? Is it cheaper, more convenient, or does it offer additional value? In reality, none of these apply. Instead, you have to open an exchange account, set up a wallet, use USD to exchange for USDC, and then use it as USD. Why not just use USD directly? Isn't that more convenient?