I don't know if that's really the main issue. Understanding all the details is a bit complicated, sure, but using BTC securely, not that much. Buy a hardware wallet, put the backup seed in a safe place, be a bit careful... Doing that doesn't do everything a bank does, though, maybe that's the scary part : it doesn't deal with your taxes, it doesn't go to your heirs if you don't organize things, etc.

I guess such people should go to BTC places, in Paris for example there is a "Coinhouse" where they will guide you through it (and of course sell you coins).