I agree with you, but most people don't. Most people have no interest in understanding that fiat banking is a giant scam - all they want is to type in their PIN and make the transaction. Most people have no interest in understanding the basics about car maintenance - they are quite happy to fork out a hundred bucks for a simple issue they could fix themselves at home in 15 minutes. Most people have no interest in understanding how to read the mempool or how to use RBF - they just want to make their transaction and be done with it.

I do of course think it is worthwhile learning about change addresses, RBF, proper wallet management, proper fee selection, and so on. But that is not the discussion at hand. The discussion at hand is how to make bitcoin as simple as possible. And just as I can use a credit card without understanding the fees involved, the clearing process, the settlement process, and so on, someone can make a bitcoin transaction without understanding the fees involved, RBF, change addresses, and so on.

It's not the best method by any means, but it is certainly as simple as it can get. Paste an address, type in an amount, pay.