I've raised this with developers elsewhere and they got infuriated, insulting and blocked me. So I'm convinced it's a great idea.

Simply get rid of the "Connect Wallet" button. Why? Because wallets are a disaster. Browser extensions are insecure as they have access to all your data and rely on questionable Javascript injection. They are hard and clunky to deal with. They come with pop ups and questions. Braindead tasks like "Change Chain", "Install Snapon", "Add contract". Stuff I don't care about and shouldn't be doing.

The replacement is to make it similar to paying with a CC.

The only role of a wallet when dealing with a dApp is to approve transactions. An internet server can craft the transaction but that server won't be able to sign the transaction. The server does all the technical details and the user receives a notification to approve the transaction.

This means:

A client wallet app only has code to handle key pairs, sign transactions and monitor balances. No code to do anything else, no extensions or imported chains, no builtin browser. The server will have all the bindings to every chain API, all the wallet does is sign transactions that its been notified of.

So the steps would be if a user wants to pay on a site using crypto

1. Enter their Payer ID which could be email or a series of digits like a CC.
2. Enter amounts and details of the transaction into the dApp.
3. The payment server takes that and generates the transaction and sends a notification to the wallet.
4. The user sees this transaction and can approve/deny it for submission.



Issues:
- spammers sending notifications to everyone. The server would have to be run by an authority that filters who can send such notifications.
- It's open to fraud, e.g. the payee generates a transaction with a larger amount than the user entered. But it will be operated by an authority that can disconnect accounts from using the service anymore.
- It's based on centralized authority for who can access the service, but doesn't act as a centralized custodial service of funds.
- Lack of anonymity. Maybe not for the wallet holder but the business sending such notifications for a approval must be KYC

Benefits:
- Simpler for the business especially for the business that no longer has to give a 5 page tutorial on how to setup the wallet with their particular chain/dapp.
- Simpler for the user.
- The downfall of the "Connect Wallet" button.

Sure sites could keep using the notorious "Connect Wallet" button if they're alright having users turned off due to a complicated setup process.


Blockchain purists hate this. But I'm not really interested in what a Blockchain philosopher thinks. It's more about what a business and customers think.

The blockchain is a disaster, there are more ways to lose your money than Las Vegas and that's not even counting trading losses.

Dumb Contracts

You can have a wallet which is run on a smart contract and not know it, then you transfer from an exchange that doesn't work with smart contracts but doesn't tell you then your money is gone. And support will call you an idiot after they get back to you in 2 weeks. Putting the word "smart" in front of something so dumb can only happen in the crypto world.


Notice that every ICO warns against purchasing from an exchange. The principle of mislaid property has been around for thousands of years since ancient Greece, property accidentally misplaced must be returned when the owner claims it. If you purchase tokens using an exchange account the exchange will simply keep your tokens claiming they own the address. This is blatantly illegal but I hear people in the crypto world justify it all the time.

Look at Coinbase flagrantly breaking the law and calling it policy:
https://support.coinbase.com/customer/en/portal/articles/2829461-altcoins-and-icos

I'm synced to the blockchain, man, fuck the world.

Crosschained to oblivion

We all know about BitCoin and BitCoin cash, if you mistake BitCoin Cash as a synonym for BitCoin then welcome to crosschain hell where your hard earned coin will burn for eternity. And did you know there's also ReddCoin and RedCoin, FUEL and FUEL? But similar names aren't the only problem because lazy developers only change the first letter of addresses instead of changing the checksum to avoid cross chaining. LiteCoin and LunaCoin is another fatal combination. My Android wallet asks for clarification from among dozens of coins when I enter an address because even the software has know idea how to resolve these ambiguous addresses.

These exchanges put 100s of defective and financial loss causing products on the market and then guess what? They blame you if something goes wrong. Even though those responsible for the defect must compensate for the defect we get tripe like this:

https://support.bittrex.com/hc/en-us/articles/115000961172-Bittrex-s-Crosschain-Recovery-Policy

Where they claim "Recovering coins crosschain is an inherently dangerous and time consuming process" without a hint of irony: For the customer using your exchange is an inherently dangerous and time consuming process. Crosschain losses should never occur and the fact they do occur is a defect in the platform that customers are entitled to be compensated for.

Your CrypoKitties are crap because if you buy your kids one they will lose it to an Ethereum bug after it's stuck in pending status for 4 months.

Your ICO coin is worthless, even if the creator was well meaning, because when put into production status customers will be losing to the block chain and raising support tickets until the company goes into hiding.

Just look at Cryptopia, they have a support queue of 14,000 complaints and take two weeks to even respond. That's 7,000 people per week who are going to be told they are idiots by support staff and that it's all their fault. Crypto currencies are built to be dangerous and unforgiving, justified by Libertarians who see any problem as individual sovereign risk. If you got it wrong you deserve the consequences. But what do you think will happen when this is unleashed on the masses?