Apart from understanding there is also an issue of trust. Our species mostly look for some form of validation from authority. They are mostly followers. Be it followers of a state religion or some economic of political ideology. Moreover have a state backed economic system helps them hold someone accountable in case of financial mishap. Blockchain depends on a distributed and decentralised framework. If person using it isn't smart enough and he loses money who will he hold accountable? Given the psychology of species and lack of accountability in crypto world is also a major rate limiting stem in mass adoption. This is the reason people who may have been using crypto for years , still think in fiat. Nonetheless, the technology deployed by blockchain is really powerful and it will evolve and become mass adopted. The question is which version of it - the state backed block-chain or centralised tokens or are humans really capable to become independent and will adopt the decentralised framework.