I have to admit, even as a technically competent guy with secondary school economics and a lifelong interest in economics, I have a hard time understanding the monetary system. I don't think people not understanding things fully is an adequate explanation for failure. As Milton Friedman is said to have said, "nobody knows how to make a pencil". Nobody fully understands any system they use, the world is just too complex for that. All they really need to know is how to use a system to get the results they want. By this measure, government issued money is very easy.
The problem is that we use the monetary system right from childhood. We are born in it. There's no need to learn it at all.
Asking someone in their 20s or 30s to learn a completely new monetary system, one built on things as "obscure" (to the lay person) as bits and bytes - well, that's asking a bit too much.
The current monetary system might be confusing if you dig in, but its implementation is ridiculously simple.
