Bitcoin is about taking responsibility of your own money. If you don't know how Bitcoin works, you don't actually own it. It's like "not your keys - not your coins", but "not your knowledge - not your coins".

Yes, that kind of instrument (with crypto under the hood) would not be perfect or "pure". However, people use cash or banks, which are perfect neither, and benefit from it. Anyway, we should better try to build it than try to guess how it will be used.