You shouldn't need to be told that, as a HackerNews reader, you aren't representative of the population. Consider how many people still don't even understand how to use credit cards properly, and then ask yourself how many of them will be willing to jump through the mental hoops necessary to understand Bitcoin at even the most basic levels when alternatives like Apple Pay, Paypal, Google Wallet, and Venmo make exchanging money simple and easy. Bitcoin solves a problem that 99% of people don't have.