In egneral , no it is not a huge problem. it can tough be a problem for growing adoption, just think about it , if the team is not able to explain their ideas, concepts and tools they want to provide in simple manner, most wont listen to them anyways because of how complicated it is. It can be a red flag in a situation when team is just throwing key words together, just to generate hype arounf them , but in reality they have nothing to show for it.
I believe it can be a problem for adoption if the project's token gets too complicated to be used/acquired, but people really don't care if they understand the project's technicalities. Actually most investors don't understand how bitcoin, blockchain and crypto universe works, but everyone still uses them without any issues. As long the project is simple to use (practical) and is profitable there won't be any adoption issues on short run, but on long run it also has to be professional, innovative and useful from a real application perspective.
It is very important to check and learn about the coin before the investment. Also coin must have a good liquidity and big ecosystem. It must be simple to buy and sell coin. It is good that such platform like
exists that allow to simple and quickly buy cryptocurrency directly from bank cards.