I think Bitcoin its not the problem but how all the different UI and application around it that are making it more complex than it should be
we need to improve in the same way bank and credit cards have hided all the complexity of using their tech
I always think about the average folks like Mums and grannies have really hard time understanding cryptos
To me, this is definitely the answer. Tried explaining this myself in an earlier response here.
Conceptually, crypto and blockchain aren't that difficult to understand. Certainly, they aren't easy concepts, but having said that, just basic comprehension of the core bricks is within the grasp of the average person, in my opinion.
It's more that the technology around this movement isn't user friendly at the moment. As you said, imagine trying to explain credit cards to people from 100 years ago!