Yeah it's really what they want to do in the end because if they're happy why does it really matter if they use btc or not?
people arent too stupid to use bitcoins in my opinion they are just afraid that they might face some law problems and they dont like to get such things, i think that bitcoin dont make such problems
I don't think there is any problem in using bitcoin and if you are scared to transfer it to your bank account for the reason of taxes then I think you can easily sell it for cash to avoid bank transactions.
I don't know why someone would be scared to transfer their funds to a bank account once they exchange their Bitcoin for fiat, unless they live in a Bitcoin-hostile country. Most countries are fine with bitcoin overall, and I'm not sure why there'd be an issue.