Thought provoking and in parts it rings uncomfortably true. I have family members who are of the smart phone generation who I hold Monero for - as they understand they should be getting in, but are just confused by the tech so much.
I also am ashamed to admit I cannot even make the GUI work on my mac. It only runs if I use a remote node, I can't make the daemon work and I feel an idiot when I go onto git hub and people just suggest fixes and lines on code to run in the CLI, which I struggle to understand. If it's that hard for me (and I have been in crypto since 2012 and on here regularly since 2013) then we have a long way to go for 'general' adoption.
I love Monero and I do 'get' it, but crypto generally is complicated and it is utterly pointless me trying to explain to even my smarter relatives about seed words, private keys, cold wallets, view keys and blockchain tech. For most, it's hard enough to get to work and get by without having to take in all this other stuff and get involved in this whole new world, when it does have risks if you are the sort of person who struggles to remember all your pin numbers and have often forgotten an online password.
I have constant issues working across borders at work with money transfers. It's too expensive and takes too long. But suggesting to recipients I pay, or receive in crypto if they are not already involved is still very hard. They get Paypal, but I can't suggest Monero or even Bitcoin.
We do needs apps and technical solutions that look simple and just work and do useful things simply without the need for jumping through so many complicated and scary hoops. I still find I rarely can pay in BTC, and I have yet to buy anything directly in Monero.
It will come, but we are not there yet.
If the community will not get there, third parties will and the bad actor risk will always be there and spoil it - which is not what we want.