I didn't consider user error because if we apply that objectively we'd have to say that standard fiat currencies don't work because people routinely lose cash to loss, theft, fire, flood, etc.

My point with bitcoin is that bitcoin itself works as advertised. But like gold, directly working with bitcoin requires a good deal of specialist knowledge.

That's why, as with any medium of exchange, you need an infrastructure to manage funds and enable transactions, and the crypto-monkeys are trying to replicate systems that developed over centuries.