pull down to refresh

I agree. The incredible appreciation it has experienced in the past year or so, coupled with all the moon shot predictions... It's understandable no one wants to part with their sats.
I think usage will largely be limited to those of us who care about it. We can spend and replace, but to most people that's just extra work.
It's fine. Like the author says, the UX is still not very smooth. There are still lots of potential ideological allies who have yet to adopt. They seem like the margin to work on.
reply
"No one accepts it," followed by "I use it for savings." At least they are realizing that it will be a powerful tool for savings.
reply