I wouldn't say it is too complicated for the average folk but I will say the conversation has been distorted as of late as to what is important and that can be harmful for bitcoin's growth long term. Us here we recognize the technology is great but it would take hours upon hours to explain that to the average person. We just need to redirect the conversation back towards blockchain and bitcoin because those technologies are what is really important here.
Even if you explain to an average person about the crypto currency and its technology blockchein for several hours, it is unlikely that he will understand everything, but if he understands, he will agree with your opinion on the advantages of crypto currency. I think that people will massively use the crypto currency only if the states will recognize it as a means of payment. Crypto currency is so unlike all existing types of money that one understanding of its technology is not enough. This requires the support of such an authoritative body as the state.