As a tip, 95% of the world population can use a mobile phone... that does not mean they are bright enough to understand the underlying technology or its implications.(a point which you admirably illustrate without the slightest exertion)
When you grow up, you will realize it is about traceability and audit-ability not about how easy one person finds a site to use.
Go look up "single entry bookkeeping" & "double entry bookkeeping" as an example of what I am talking about.
I know what single entry and double entry bookkeeping are, really it isn't hard to make a spreadsheet for this, as I have done I will sell you my excel template for 100
BTC.