Many find paper money comforting and don't trust themselves using technology any more than necessary.
then let them use paper money. using bitcoin like this is like sending tcp ip packets per mail because you like the internet but its just "too online".
Yes, that is exactly my point. This will still require a Bitcoin Network transaction, but let the vendor worry about the geeky stuff. No matter how secure you make Bitcoin, it will be possible to scam some people with anything you design.