Armstrong and John Collison discuss wallet usability, consumer habits and cross-border demand as practical adoption constraints. Faster rails alone do not guarantee adoption; they expect product design and familiar payment interactions to matter.Dated speaker account or opinion, paraphrased from the publisher transcript. It does not establish TIBBIR involvement or independently verify a product, forecast or performance claim.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse