In the past two years, there has actually been a quite subtle change that many people might not have paid much attention to: the money on your chain seems to have started to "be usable."

Things like MiPay, to be honest, are not complicated; they are doing one thing — gradually eroding the barrier between on-chain and real-world transactions.
What was the situation before?
You earned tokens, but when you wanted to spend them, you still had to withdraw funds, go to the bank, and then make a purchase — no step could be skipped.