Of course ordinary citizens can use bitcoins. But, the catch is that, they will not be able to use it properly unless they have atleast some knowledge about cryptography and security. A lot of terms used in the community will leave them confused. But, the thing is that anyone can learn something if it is an interest or a necessity. Just look at computers 
Yes it is , but we should consider the fact that before someone can be able to use bitcoin thy must have gadget , Internet connection and specially enough knowledge for them to access it cause we all know that bitcoin is a digital system and its kinda techy we should be guided by someone who has a enough knowledge in this system.