There is a single private key log in to ALL of them and they interoperate without requiring partnerships by way of sharing protocols and token specifications. It's quite unlike traditional banking verticals where each is siloed and never let the user share data or make it portable. (think 2-3 day processing times, shitty PDF exports and incompatible data exports).
I manage 3 nodes in brooklyn and the speeds are ~150mbps. It's so reliable that no spot has a backup connection so it is acting just as that - an ISP. I don't see how the ambition is a discredit to techies (lol).
The UX for interacting with Ethereum apps is slowly improving. The most interesting work going on in this space has to to with getting web3 available on mobile devices which is starting to make dApps useful on the go. This might lead to many more micropayment apps being developed. Best practices right now are centered around using your phone to scan QR codes to quickly add payment addresses.
Additionally, all these web3 providers who are developing browser based solutions are trying to provide a psuedo app store to make their platforms more useful.