You are not an idiot... I am a regular consumer also and it does put me off to look at decimal places to the extreme... I agree with you, there has to be a solution develope soon to appeal to mainstream people, I am a mother and it is hard enough to go shopping with the kids without having to figure out extreme decimal places, also it leaves room for too many issues to arise...
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Satoshi addressed this in his initial writings. He said that, even though it may sound absurd, you can just drop off the decimal places.. or move the decimal place.
So therefore, .0000007 would become 7 bitcoins, and 1 would become 1,000,000 bitcoins. See what I mean? It's all about where you put the .
haha