You have to define what's simple. Bitcoin is very simple to me. You download a lightweight wallet, generate a seed phrase, write it down, and you can now send money overseas via the Internet, with an easily accessible backup. The backup isn't even some complex series of numbers, it's just 12 words. It literally doesn't go more simple than that.

What you're trying to figure out is how we make Bitcoin more accessible. In my opinion, more responsibility and education is all we need.