I somewhat agree. The thing is, bitcoin is quite easy enough to use if you're decently tech-savvy. The difficulty comes when less tech-savvy people would try to secure their funds with their own wallets, backing up their private keys and such. Those things might be a huge hassle to them; as you know nowadays, people are used to convenience like saving their passwords on their phone's notes app and just simply recovering their password whenever they lose access to their passwords. Account hacked? Easy, press the recover account button! As for crypto, getting your private keys stolen? You're screwed. You can't call a bank to reverse the transactions.