

Two of the things that I think are new vs the current system are:
Wallet: anonymous holding of currency without a custodian. You can’t hold fiat currency digitally today without a bank or other entity providing that service.
Transfer: moving fiat currency anonymously and under your own direction without intermediaries. You can’t make a digital payment or transfer in pure fiat currency today without that custodian providing the service (often through fee-based payment network). As a result, your identity is known when that transaction happens.
Honestly even most Excel users would be fine transitioning to LibreOffice Calc. I was very impressed with how most of my spreadsheets just worked on recent Calc versions. Formulas and charts were mostly all fine. Even pivot tables worked. I had one formula that had to be changed (it was specific to Excel, but there was an equivalent option in Calc), and one external data pull that I had to figure out. That was across 4 pretty involved spreadsheets.
The main problem will be users who are so ingrained with the specifics of navigation that they can’t easily adapt to a new menu system. The same happened when Microsoft changed from the old toolbars to the ribbon. And that will be an issue across all the apps.