Have you not considered that maybe bitcoin is to complicated for the average person right now ?
It's pretty simplistic to me, and I'm pretty average if I do say so myself.
well it is not that hard to just use it from time to time, you just need to know how bitcoin wallet works and you need to know how numbers actually work and thats it in my opinion
i doubt that people are too stupid to use it, in my opinion they might just not understand all the things how it actually works but theres no need to know that i think