People have never managed software where if you lost your "password", your money was gone forever. They never had to keep a 12-24 word recovery phrase. They've never sent money to addresses that look like hash strings. Their money value was never this volatile (in some countries anyway) and never this complicated to use (understanding and waiting for block confirmations, looking up transactions in the blockchain explorer).
That's why Coinbase exists, to obfuscate these complexities, to sell security as a service. The cryptography behind cryptocurrencies allows you to basically be your own bank vault; this is not intuitive to people.
The fundamentals for Satoshi's vision have been laid out, the rest of the implementation details will come in time.