That's why improvements are always in the pipeline.  As was said above, Bitcoin is still effectively in Beta.  All the stuff that makes it easier to use for ordinary people to use is still to come.

If you can't explain how an Automated Clearing House works on a technical level, then surely credit card payments are too complicated and no one will ever use them.  Except that people do use them and have probably never even heard of Automated Clearing Houses, let alone be able to explain how they work.  Given sufficient time, Bitcoin can reach that level as well.  Play the long game and see the potential.