You're skipping the part where she needs to have a bank account, check book, and possibly postage stamps in order to pay her credit card bill.
> ... transfer money (takes 5-7 days) from your bank account...
> ... seller might want to wait until the network confirms a transaction...
She is already familiar with financial institutions taking forever to process payments/clear checks. Additionally, she is familiar with checks bouncing, and with cards being declined.
> Then when you want to pay for something put in the person's bitcoin address
Or, as seen in the linked article, she hits 'Send bitcoins', and then waves her phone at the recipients phone.
> I was one of those people.
It's brave of you to admit that you did not research the thing you invested in. Many of us have.