> we need a Steve Jobs for the cryptocurency world

I don't think it is that complicated to create the vision how it should be. Take current payment methods as the starting point (PayPal, but even the Credit Card and Debit Card companies); they have a very ling history of experience, and why should it be any different to what is available and what people are actually used to? Better to copy the user experience for 100%, and have the new technology under the hood.