[Edited out]
Just because I don't understand certain terms, should not be enough reason to call me or anyone dumb. Remember that Bitcoin is still A Peer-to-Peer Electronic Cash System, and cash system are meant to be simple for use.
Some people are dumb and might not be able to learn certain things.
Sure they might have areas in which they are smart, but the fact of the matter is that some people are dumb and they stay dumb in part through their own lack of efforts.. and surely there could be some who are dumb through genetics rather than environment.
I do like to attempt to give people the benefit of the doubt regarding readiness, willingness and ableness to learn, but sometimes there are people who don't want to learn new things and/or might even be hostile towards learning certain things, and technology related matters frequently can bring out those kinds of purposeful expressions of some folks saying that they don't want to learn certain things.