Not at all, I feel it is so simple the bitcoin, it's almost like visa lol.
Just treat it as regular money.
I think it's pretty complicated for beginners. For example, it takes me a lot of time to get acquainted with them. If you are passionate about it you will feel it easier.
for non-techie people, it is hard to understand the technology behind it, but if we willing to learn more bitcoin, I'm sure there is a pretty good explanation for the average user. in my opinion this is the problem why bitcoin is not yet widely used, people got FUD because they do not understand clearly the technology.