I think understanding the meaning of private keys and how a blockchain works is also a problem. Surprisingly there are not many people who want to learn in this technology but make quick money... but this comment applies to the crypto world in general
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People shouldn't need to understand the technology to use it. I don't have to understand the workings of an internal combustion engine to drive a car, nor do people need a degree in economics to be able to receive a fiat salary and use it to pay the rent.
We will need to get to that level of usability where understanding the underlying technology is a benefit but not necessary for ordinary usage.