Quite true. However, I think the whole point is to bypass and/or hide the complexity of futures/options from the user. A client that tells you that "your goldcoins = 4.31 ounces" is very appealing if you can provide enough confidence that they will STAY worth that much.
I think people who clip coupons, at least - and they are imagined it seems to be normal soccer-mom types, aren't they? - should be able to understand things like "pay to the bearer upon demand one loaf of bread" and "pay to the bearer
on 25th December 2016 one loaf of bread", and that is futures and options right there, isn't it?
-MarkM- (Admittedly I don't clip coupons - too complicated per dollar-per-hour that it pays...)