Yes. I can safely say that bitcoin is complicated for me in many terms. I can't figure out technology and smart contracts. Maybe my brain isn't ready for that kind of information. 
You dont have to learn to read smart contract if you are not a developer, too complicated to us ordinary folks. All we need to know is the technology behind it and how to use it well. Dont bother yourself to know too much.
To make it easier to use for ordinary folks, developer needs to migrate to mobile. Make wallet, exchange, as simple as touching the phone screen. That is how we will get mass adoption
This is definitely the correct response.
I'm surprised at how many people on here think that the concept is so difficult to understand. It's certainly not easy, but at the same time, it's not rocket science.
The bigger barrier to accessibility at the moment is the UI/UX. It's not that people are not capable of understanding; it's more why should they take the time to learn a new system if it's not easy to use?