Hiii, another girl yey : ) don't worry bout not being smart enough to be a hacker or to fully understand btc, I think we may be wired a lil differently than guys anyway cause it took me ages to understand btc too : )
There are very very few people who fully understand Bitcoin (I know I certainly don't), regardless of their sex... there are plenty of people who may think they do, but most of them are wrong
I think it's possible for most people to understand enough about Bitcoin (with some effort of course) to be capable of using it responsibly.