Because it requires research and grasping how the current monetary system works, as well as either some basing understanding of certain subjects from fields like economics, computer science and game theory.
I don't think its that complicated.
Bitcoin is made so everyone can use it. You don't really need to research Bitcoin so you can use it or transact it. It is the same with other payment methods but it just has different ways of sending it. Maybe if you want to enrich, to develop your knowledge about cryptocurrencies, the things you had said would be necessary.