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.
I'm really not sure if it's possible without sacrificing privacy or security. For instance, PGP isn't used en-masse either. We do see (alleged) e2e encryption in most messengers though; but it's definitely less secure and private than PGP, because often they can't be audited, don't have verifiable builds and there is no key exchange through a manual web of trust. If the 'mass Bitcoin adoption' will happen, it might unfortunately be a bit like the 'mass adoption of encryption' in messengers. Sacrificing some aspects for the benefit of convenience.