I have a hard time answering this question as well. But I do want to comment on your comment:

"as it deviates from the familiarity of the traditional fiat world."

The fiat system is not easy to use, and is full of risk. People have learned to use the fiat system. They can learn Bitcoin too. They just have no incentive to do so, when it's hardly used as a currency anywhere. It feels like extra work. They need to have a reason to put in that extra work. But it's really not hard. It just needs normalized, the way fiat is normalized.