Given the number of bad financial decisions people make because they don't really understand those things I'm not sure that those comparisons are helping your case, but even so, for a lot of people it IS more complicated than those things because they are afraid of technology in a way that they aren't afraid of tangible things.

Solving 99% of technical problems requires nothing more than Google and following instructions in the first result, but people still can't handle it. Most people haven't given running a website enough thought that they would even know what to look for. A good portion don't even really understand URLs enough to type facebook.com into the address bar instead of Googling Facebook and clicking the first result.

You're ignoring (or overestimating) the enormous segment of the population who wouldn't even have an Internet presence if it didn't come with the phone, and getting the phone was already the one of the most mentally challenging things they've done in years.

Right, and it's not like you couldn't ask a technical friend to get it done.

The are being paid to do so. Also they see it as part of the job.

You could provide a one stop shop for sharing information with the people you care about that is easy enough to use that even people who are afraid of technology can handle it... also everyone they know needs to already be on it... but then you just created Facebook.

The ease of use is only one part of the problem, the other part is that you are trying to solve a problem that a lot of people who use Facebook just don't care about. Facebook fills their need and they really don't care about walled gardens or open internet or whatever else the HN crowd views as a dire issue.