You've never met a bitcoin user or tried to use it yourself. Most people whose bitcoin are not incredibly tech savy and set it up in minutes on their smart phones.
Or, maybe they have. Maybe they lost some non-trivial amount of money from one of the half dozen former exchanges that had coins stolen out of their hot wallets. Or had someone hijack their AWS account credentials from GitHub to spin up hundreds of dollars of EC2 instance-hours to generate pennies of bitcoin.
One of the great things about banks is that the transactions are reversible. People click the wrong button all the time, and they call up their bank and say "oops, please fix it".
