Technology should never be too complicated on the "user" side... or adoption will be hampered. People want a wallet and they want to deposit and withdraw... that's it...

(Running Lightning Network hubs and all that nonsense is for techies... not for your average public out there)

to an extent
if a child that can barely talk has the same level of tech skills as you, then it's not that the tech is too complicated, it's that you're lazy
the alternative is to permanently have Jeff Bezo's military-intelligence dick in your ear