I get what you are saying but I'm not sure I see the connection. How does it being decentralized have an effect on how user-friendly it is? I suppose in concept, Bitcoin being decentralized means each user is responsible for the managing of their own wallet/other services, but in my opinion, those wallets and trade services are quite easy to use, and over the past years it has become increasingly cleaner and simple to use. It's definitely true that the concept of bitcoin and how it works is not simple, and does require you to learn and do research on your own. But once you understand how bitcoin works, actually going about sending and receiving btc, for example, is quite simple and in my opinion, far more simple than traditional means of sending and receiving money, especially large amounts. I could be standing next to someone and offer to exchange bitcoin and all I would need to do is scan their bitcoin wallet QR code. Last time I checked, TD Bank would have a much more complicated process