Bitcoin is a very dynamic instrument and that's what makes it so complex and hard to work with for some people.
Bitcoin isn't complex at all. It's the most simplistic coin in existence, which is why people like it so much. It does all that people need, which is storing value and sending value from point A to B.
People don't need all sorts of gimmick features that no one uses anyway. It's about the quality of the tool, and the liquidity its ecosystem around it provides, and nothing comes even close to Bitcoin in that regard. The only downside of this is that altcoin whales cash out to Bitcoin, then dump Bitcoin for USD which has been a major contributor as to why Bitcoin has tanked hard this year and somewhat struggled to remain up.
What I meant was for non-users, it's a bit overwhelming when trying to get into it for the first time. If you compare it to a credit card, it is quite complex for the average Joe who just wants to do some shopping or whatever.
I've met a few people who said they want to get into bitcoin but didn't know where to begin. They said that they've done a few searches online but couldn't decide where to put their money, and lots of them didn't know what a cold wallet was either. It's hard for some people to handle the concept of money going to a series of numbers and letters, and then being "virtual".