I'd challenge this. You only need a smartphone to use bitcoin (not a computer). We are looking at about 3B smartphone users today [0] and close to 6B smartphone users by 2020 [1]. That is nearly ubiquitous coverage.

Also, we are in the early stages of bitcoin today, so yes, you need to have some tech understanding. This will all be abstracted away soon. Do people need to understand TCP/IP to use the internet? Understand the internal combustion engine to drive a car? The same will happen for cryptocurrency.

[0] https://www.strategyanalytics.com/strategy-analytics/blogs/s... [1] https://techcrunch.com/2015/06/02/6-1b-smartphone-users-glob...