Question - is there any feasible way to simplify a digital currency, in terms of the number of decimal places that it is calculated to?

One of the larger issues that I see regarding the possibility of mainstream adoption of any digital currency is the fact that it's too complex. I don't think the average person wants to keep track of their currency to so many decimal places. "I own 103.01933485 NEM" sounds very complicated. "I own 103.01 NEM" is much more palatable, I think.

Maybe I'm way off - just a newcomer's perspective though.