Yes, you are all right. Cryptos comes from the mind of crazy math people like Vitalik Buterin or security nerds that thinks that everyone on earth knows how to deal with security online.
At the same time, if you ride a car you need to learn how to ride and the norms. I think everyone needs to give a little, Steem should improve the way they explain how to do things over here, making things more intuitive like Facebook, Google, Youtube and other mainstream social networks do to have more people onboard. But we need to help people to understand better of this new tech works.