COMPLICATED? for me its not, you should first know them and make studies of how it will work.
Complicated is a word for those people who dont want to study the cryptocurrency.
We are just like students again here!
The bulk of people will not specifically learn to use cryptocurrency. If it is incomprehensible to people, they simply will not use it. We need to interest people in the simplicity, reliability and safety of its use. If people will mainly use cryptocurrency as a means of payment, now there are many simple forms of cashless payments and they are much simpler than using cryptocurrency. Currently, cryptocurrency is still very difficult for ordinary people to understand. It needs to be simplified.