Yes it is, but they just don't know it (yet?). Granted, there are subtle nuances that take it well above dummy level but it's not that difficult to get started with Bitcoin. I got a female friend in her fifties into it a bit recently, and she even downloaded Bitcoin-Qt! She did complain a little that synching the blockchain's a bit slow on her old PC, mind. But she managed it anyway, even if she hasn't spent the few pennies I shipped her way. Then again, she's reasonably intelligent and obviously not a technophobe, especially for someone her age - I think she's got IT-savvy relatives.