I think much of it has less to do with people being stupid but topics being complex. And the attempts to make sensible complexity reduction. With a complexity ceiling being very real. At a certain point there are too many perspective with too much knowledge assumed on peoples part, which might not all be relevant. Which is why i personally tend to stay from discussions with big words like capitalism. Making sure everyone is talking about the same thing is just far from trivial.
I think the scam part might be one of those stupid things that might entail more then it first seems. Unfortunately "the economy" isnt as easy to model as physical systems. Because in the end its nothing but the behavior of market participants. And while its possible to set incentives, through interests rates and the like, we arent as rational as we would like to think. What people believe plays a big part in determining their behavior and as such, changing that is just as much a means of influencing the economy as interest rate cuts. Or differently put, inflation being inflation expectation.
It of course doesnt mean that the problems of a store of value based currency disappear, but its also important to keep in mind on the topic. Especially since the complexity ceiling might be exploited to shape beliefs which in turn influence the economy.
I however dont have an answer to how communication on topics at the complexity ceiling could work. But i think its important to at least understand where communication breaks down for what reason.