It really is – you might just be living in a bubble of competence!

I've got years of experience as a developer and sysadmin, and I still sometimes struggle to get SSL working correctly on a site. Sure, getting and installing a cert is fine – but the mess of making sure that third-party services don't break, and that redirects aren't messed up, and that other virtual hosts don't break… it can be a time-consuming effort, and probably difficult for someone with less experience.

Cloudflare have been pretty transparent with the service they're offering, so I find it hard to see this as a bad thing.