Maybe because it's not a need most people have?

Most may the the right word. This is really about a lot of small wins over the current system, not really one right answer that solves everything.

  This still means nothing to me. I can't relate to this.

This is fair, I don't know you personally so I don't know what lifestyle you're living.

  So it's about not wanting to pay transaction fees for buying stock. Hmm, doesn't really sell it to me, quite frankly

It's not really about that, it's more about zero counter party risk. This exists in lots of areas, but without knowing you, it's hard for me to come up with a concrete example of why this matters to you.