Surprised how many people (even finance pros) still struggle with wallets, chains, USDT, and swaps

We’ve just launched a token and, before any broader rollout, we’re keeping it friends-only to stay controlled. The surprise isn’t demand—it’s the basics. Even people with strong business/finance backgrounds stall on onboarding: setting up a wallet and securing the seed, choosing the right network, buying USDT with a card/on-ramp, then doing a simple swap (with gas on the correct chain). A lot of interest dies right there.

Is this a general adoption bottleneck or just our sample? From your experience, where do newcomers fail most—wallet setup, chain selection, on-ramp, or the swap step? What actually reduces friction without going fully custodial? Were you aware this gap is still this large?