On the other hand, try to put yourself in the position of someone who installed a wallet, had a backup and now wants to learn how to make transactions. You have to explain to that person what a public address is, what a change address is, what clipboard malware is, what a fee is and how to set it up correctly, what RBF is and how to use it in case the transaction gets stuck...
You don't need to explain most of those things. A person does not need to know what a change address is - a good wallet will take care of this for them. They should have some awareness of the fee, but again, a good wallet will pick an appropriate fee. They definitely don't need to know what RBF is, and many people still don't. Sure, it is good to learn about all these things, but if you are looking to keep things as simple as possible then they are not absolutely necessary in order to make a transaction. Paste in an address, double check it, choose how much you want to send, confirm. That's all that is absolutely necessary in order to make a transaction.
And the funny part is that whether you pay with credit card or with cash the price is the same; obviously, it's not in favor of the merchant to have different prices with different payment methods, so it gets more complicated, and cash users pay part of that extra credit company cost too.
There are a couple of merchants I use who offer a discount of a few percent (the highest goes up to 10%) for paying with bitcoin, presumably exactly because they can avoid the credit card company taking a cut of every transaction.