Not really, bitcoin is quite simple instead of a third party being a middle man, bitcoin removes the middle man and acts as a peer-to-peer payment system. For a better explanation I'd recommend watching https://www.youtube.com/watch?v=s4g1XFU8Gto
Bitcoin is like a ledger. Bitcoin is very secure too. I think it wouldn't be too complicated to explain as long as the person you're explaining to is willing to understand it. And I usually prefer visual explanations such as videos/images.