~snip~
Obviously. For most, it's more about popularity and what is common in an individual's locality. Not necessarily learning how to use it but, you must first discover it before hoping to understand.
For others, it becomes a question of, not being able to manage there security. Not having hope of any password or private key once misplaced or forgotten sounds scary and so, they hope on centralised exchanges to give them a backdoor through to password recoveries.
Unfortunately, there would always be vulnerability when you operate this way.
If the idea of cryptocurrency revolves around escaping centralisation or having an individual or organisation at the apex of your financial activities, why run to another one in the form of centralised exchanges! It doesn't make much sense to do that.
Yeah, I think Bitcoin will simply continue to exist in parallel to centralized currencies.
I don't really see the world changing into something in which everyone is responsible of their own keys. There needs to be some level of centralization at some point, because not everyone will be able to have such responsibility.
And I think that's OK. We don't need everyone to do it, just a big enough number of the population.