> Something to ensure they sent money to a wallet on the right chain, that was expecting their tx.

SNS and ENS are the best ways I know. They're cryptocurrency-based naming solutions. You can pin your wallet address to a friendly name and pay for holding onto the friendly name like a domain name. Then if your wallet supports using an SNS or ENS address, you can just pay the payee on SNS or ENS. Right now 5+ character SOL names are for-life $20 USD (pinned to USDC), and you can make subdomains.

> It seems like improving the UX to reduce mistakes is solvable, and maybe there are solutions built, but I never see them in the guides.

From what I can tell, until 2018-2019-ish cryptocurrencies were still being widely thought of as payment rails. Then two things happened at once. ERC20 took off and memecoins became a thing, so the amount of gambling in cryptocurrency really shot up. That and added organic popularity to a lot of cryptocurrencies and Bitcoin's refusal to increase block size saw very high transaction fees.

A lot of crypto communities became filled with gambling and scam posts. This shift in focus both soured a lot of the bloggers/commenters which shifted some dev talent away and the remaining talent focused on trying to improve the fundamentals, relating to transaction fees, speeds, and on/offramps. The focus on UX really dropped off during that time.

The good news is now we have fast L1s (Solana, Monero, Bitcoin Cash, etc.) and L2s (including Lightning) so the transaction stuff became solved. Stablecoins offer stability where the actual crypto assets don't. Now there's more renewed focused on everyday usage of crypto and so there's a need to firm up the UX again.