I dont think that bitcoin itself is too complicated for the ordinary person. There are a couple of things however that stand in the way of adoption:
- People don't undestand this new technology: for them a monetary system without banks is inimagible
- Most people hate insecurity: bitcoin prices are by far too much volatile.
- Most people hate changes: rebalancing the power of the current state and banking system leaves them with a bad feeling
- People listlen to mainstream media: often news are dominated by opinions and not by facts..

I could go on with this for hours but until there is no real proof-of-concept (visible to the public) that there are huge advatages regarding blockchain technology, crypto currencies, etc. people will remain sceptic.