Yep, I understand the frustrations people have with the gateways into crypto of pretty much any kind. It is only recently I think that Binance and Bittrex started taking credit card transfers.
And yes, part of the issue is the decentralized nature of it all. People like convenient and easy, but they also like to earn - something the other platforms don't really offer the casual user, ever.
The "help desk" is defiitely a challenge and the FAQs should be introduced by default at signup, as well as a checkbox of "guidelines" a user that comes through at least the main gateways will have to read.