I do not think they are too stupid for using the bitcoin, the most are just way too scared to do it in my eyes.
They are scared to lose money with investing into the bitcoin itself, I'm really thinking this.
This is probably the biggest mistake most newcomers to Bitcoin make when they dabble in the crypto currency market for the first time. Bitcoin is not necessarily an investment vehicle, it can be perfectly used as a digital currency should one desire to use it as such. It seems the majority of people think of Bitcoin like it represents the stock market and the fluctuating price makes them uneasy to get involved with the Bitcoin market.