I believe to make things 'user friendly' by today's definition, you have to dumb them down so much that it's almost impossible to still keep them as secure, decentralized, ... as possible.
You bring up a good point with this part of your post that I quoted. But if Bitcoin is ever going to reach the masses, it will have to be in a way that is easily understood by the dumbest of the dumb. If they don't get it and can't use it because it's too complicated, it won't reach global adoption. Maybe it was never meant to do that, but I think it would be a shame if it doesn't.