To test this, I signed up and pretended to contribute to a random project. "Where's the place to enter my credit card info to fund a grant??" 99% of users would leave at that point.

Yes, I'm aware this is based on a cryptocurrency system. But I would never want to force my users to navigate that mess in order to simply give me a few bucks. I'm just joking around above, but I don't think Gitcoin gets close to solving the problem.