Why is bitcoin so user unfriendly?

I'm really confused. Bitcoin is clearly a Ponzi Scheme/bigger fool scam. No argument here.

But why is it so complicated? You'd think a Ponzi scheme would have a lower barrier to entry. Every time I read about bitcoin it is truly the most labyrinthine process for something as simple as opening an account and sending money. Not to mention the 500 ways to get conned, or straight robbed.

Also, when talking about the finances, all anyone can talk about is in financiers' gibberish. Every other stock that you talk about at least correlates back to a real business with underlying principals of wealth creation. The only other financial product that was this far removed from reality and talked about in byzantine terms is the mortgage backed securities, as far as I can tell.

Anyways, all this say, crypto is such a scam that provides no services, meets no consumer needs -- except money laundering, illegal trades, and avoiding international sanctions (North Korea).