old people are always trying to say you cant do this and you cant do that. people for the most part dont like change and dont embrace it.
some people readily like risk and challenges and problems and jump head first into anything that piques there interest. average people dont do this, it will be more years before we get average people to use it.
for now mostly the people using it are not average by any measure. it took paypal awhile to get regular people into using it as it takes awhile to show benefits of something. paypal for awhile wasn't used by normal people but when ebay integrated it in and bought them out now tons of normal ppl use it.