Bitcoin is not too difficult to understand if you use it normally. Just like how you use the money normally, Bitcoin needs technology savvy to use transactional devices, which can be difficult for the elderly. Bitcoin needs to coexist with flat currencies, which is the most logical thing to do.
I don't think so. Even we use bitcoin normally, bitcoin is unstable and it always moves. we can not understand bitcoin deeply. I find it is really difficult for me to understand bitcoin.