Great post, aligns with how I think about it. But I would say it's still possible to onboard without them understanding blockchain/crypto at all. The property they care about is the detail for how to exchange the token to Fiat as well as the fact that it is completely free to try. That usually does the trick of getting started.

I had my own thoughts about onboarding as well, and I think the trickiest part is about the willingness of the new user to build their community/connections. That's what keeps me around anyway. And sometimes they just don't want to put time in for it. Maybe they are waiting for the critical mass to hop in first....