Even computers where once a difficult for the masses but in time a lot of people started to adopt it because of its innovative features.

Exchanges and Custodial wallets not offers refund or insurance if something goes wrong in your Bitcoin's while stored in their websites.

Bitcoin as of now, is a store of value not suitable for micro transactions or to be used in services. Its an asset for now like gold that will increase in value over time due to supply shock. In that time when everybody in using it, every merchants will want to have it.