Add FAQ and rename Product Design to What's Missing

- Add FAQ with 4 questions (stablecoins, Bitcoin payments, wallet storage)
- Rename Product Design to What's Missing, focus on current problems
- Add examples: wrong chain transfers, Lightning Network privacy
- Remove em dashes, more natural writing style
- All changes in en/zh/es

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

Author: shawnmuggle

SUMMARY.md

@@ -51,4 +51,5 @@
 
 * [Blog](blogs/en/README.md)
   * [Why We Build](blogs/en/20260101-why-we-build.md)
-  * [Product Design](blogs/en/20260114-product-design.md)
+  * [What's Missing](blogs/en/20260114-whats-missing.md)
+  * [FAQ](blogs/en/faq.md)

blogs/en/20260114-product-design.md

@@ -0,0 +1,139 @@
+# What's Missing
+## Why Crypto Is Still Too Hard, Too Risky, and Too Far From Daily Life
+
+*January 14, 2026*
+
+> This is not a feature list.
+> This is an honest look at **what's broken** in the current crypto experience, and why it's keeping most people out.
+
+---
+
+## 1. The Core Problem: Sovereignty Exists, But It's Not Usable
+
+We believe the world is entering an era of individual sovereignty.
+
+But today, that sovereignty is only accessible to a few:
+- Self-custody is too hard
+- Operations are too complex
+- The cost of mistakes is too high
+- It can't be used in daily life
+
+The result? Sovereignty becomes "looks free, but actually impossible to use."
+
+---
+
+## 2. What's Missing: The Problems That Shouldn't Exist
+
+### Problem 1: Send to the wrong chain, lose everything
+
+This happens every day:
+
+> "Don't send to Base chain, or your funds will be lost forever."
+
+A user sends USDC to the wrong network. The money is gone. No way to recover it. No customer support. No undo button.
+
+**This should not exist.**
+
+In any reasonable system, sending money to a slightly wrong address shouldn't mean permanent loss. But in crypto today, it does.
+
+### Problem 2: One mistake, total loss
+
+Forgot your seed phrase? Lost your hardware wallet? Clicked a phishing link?
+
+**Your entire net worth, gone.**
+
+There's no recovery. No second chance. No insurance.
+
+This level of risk is not acceptable for mainstream adoption. People shouldn't need to be security experts just to hold their own money.
+
+### Problem 3: Too many chains, too many tokens, too much confusion
+
+- Which chain should I use?
+- What's gas?
+- Why do I need ETH to send USDC?
+- What's a bridge? Why did it take 20 minutes?
+- Why is my balance showing on one app but not another?
+
+**Users shouldn't need to understand infrastructure to use money.**
+
+### Problem 4: Can't be used in real life
+
+Even if you successfully hold crypto:
+- You can't pay rent with it
+- You can't buy coffee with it
+- You can't subscribe to Netflix with it
+- You can't split a dinner bill with it
+
+Crypto exists on-chain. Life exists off-chain. The two worlds don't connect.
+
+**Sovereignty that can't be used in daily life is not real sovereignty.**
+
+### Problem 5: Security means stress
+
+"Write down these 24 words. Never lose them. Never show them to anyone. If you do, everything is gone."
+
+This is the onboarding experience for self-custody.
+
+**Security shouldn't require constant anxiety.**
+
+Real security should be structural, built into the system, not dependent on users never making mistakes.
+
+---
+
+## 3. What Needs to Change
+
+The correct approach is not to ask users to learn more.
+
+It's to **hide complexity** while **preserving control**.
+
+### Users should only think about:
+- How much do I want to send?
+- Who do I want to send it to?
+- Do I confirm?
+
+### The system should handle:
+- Chain selection
+- Gas fees
+- Bridging
+- Error prevention
+- Recovery options
+
+### Mistakes should be recoverable:
+- Wrong address? Recoverable.
+- Wrong chain? Auto-corrected.
+- Suspicious transaction? Blocked and reviewed.
+
+### Daily life should just work:
+- Pay anywhere
+- Any token
+- No friction
+- No learning curve
+
+---
+
+## 4. The Standard We're Aiming For
+
+| Today's Reality | What Should Exist |
+|-----------------|-------------------|
+| Send to wrong chain = funds lost | System prevents or auto-corrects |
+| Lose seed phrase = total loss | Multiple recovery options |
+| Need to understand gas, bridges, chains | User just sees "send money" |
+| Can't use in daily life | Works like Apple Pay |
+| Security requires expertise | Security is structural |
+
+---
+
+## 5. This Is Not a Technical Problem
+
+All of these problems are solvable.
+
+The technology exists. The solutions exist.
+
+What's missing is **someone building it the right way**, putting user experience first, not blockchain ideology.
+
+> **Sovereignty shouldn't require a PhD in cryptography.**
+> **It should just work.**
+
+---
+
+**Other Languages:** [中文](../zh/20260114-whats-missing.md) | [Español](../es/20260114-whats-missing.md)

blogs/en/20260114-whats-missing.md

@@ -9,4 +9,5 @@ Welcome to the ROZO Blog. Here you'll find our latest thoughts on individual sov
 ## Articles
 
 * [Why We Build](20260101-why-we-build.md) - January 1, 2026
-* [Product Design](20260114-product-design.md) - January 14, 2026
+* [What's Missing](20260114-whats-missing.md) - January 14, 2026
+* [FAQ](faq.md)