I'm not sure you are me are using the same definition of simple.

Typing 16 digits plus four digits on the front and three digits from the back of a card in your pocket is incredibly simple. I just described it in one short declarative sentence.

In addition it is mildly tedious, and slightly inconvenient. But extremely simple it remains.

In contrast, bitcoin requires typing in an extremely long and essentially random sequence of alphanumeric characters.

Except that it doesn't you say? Because an app can automate it? Oh wait.