Well I don't believe in TOO complicated, I believe in teaching people. I remember how hard it was to learn how a computer works or how to use the internet back in the old days, but we learned pretty quickly. As always, those who adapt and want to learn will profit, those who cry "too complicated" will be left behind.
But as I said, computers were too complicated for the average people 30 years ago and look where we are now. It won't take that long before blockchain technology will be very accessible and user friendly.