You’ve made some solid points. Usability is a huge factor. most people still find Bitcoin wallets confusing or intimidating. If it make them as easy as using a regular banking app, adoption would grow fast. Education is probably the most important part though. A lot of fear and confusion around Bitcoin just comes from not understanding how it works.
I agree with one thing with you because of fear and confusion about Bitcoin it is caused by the lack of understanding of how it works. This is exactly the same as I experienced at the beginning of knowing Bitcoin because I did not know how it works Bitcoin in the efforts of financial freedom that we want so that fear arises on the basis of the negative things spread by most people. But after recognizing Bitcoin well, an optimistic sense arises to grow assets slowly by using certain strategies in an effort to accumulate.
Knowledge can bring someone to belief so that the implementation process in the right way can provide certainty. Nothing is complicated if understood properly because Bitcoin is a person's step to achieve financial freedom. Except for those who misunderstand because most of Bitcoin thinks can provide wealth in a short time using small capital.