I don't know either... Its just that Bitcoin is still hard to get.
In your example of explaining Gold and Bitcoin to the average Joe; Explaining how to self-custody gold can be as simple as pointing them to the right manufacturer of safes, and have them put the safe in the right location.
Everybody knows what a safe is for and how it's used, right?
Self-custody of Bitcoin isn't that different; You point them to the right manufacturer of safes (hardware wallets) and tell them to store it in the right location (whatever that may be, you get what I'm saying).
With Bitcoin, however, most of the people you tell this will ask you what the hell a "hardware wallet" is, how it works, why they need one in the first place and if they can trust it, and that's just the start.
You have to explain to them that they'd do good to check the Hash of the accompanying wallet software they're most-likely going to use, before actually using it (good luck with that), what those words are and why there are so many of them, why the order of words matter and that their savings pretty much depend on that piece of paper, oh and that the wallet resets itself after three failed pin's.
Of course, as the responsible guide you are, you tell them about all the magnificent ways of backing up the seed words in steel, splitting them up yada yada, which makes it even more for them to absorb- and then we're not even started with the different extra's one could apply, such as a Passphrase or a 2/3 Multi-sig...
Phew, let's start about UTXO-management, what a "UTXO" even is and why you shouldn't start with one of those fancy auto-buying plans...
Why they should use a different address everytime they receive a deposit and that deposits to the wrong address will result in permanent loss of funds (can you smell the anxiety of sending funds? I can...), oh, and that they would do good by meticulously checking each address they'd like to receive funds to, because there's malware which changes the clipped addresses once you paste it, siphoning your funds to other addresses.
See, it's not even that people are intellectually-lazy, its just so much to take into account in order to do it right.
You and I, we get that, we understand that that's what's needed in order to make it secure and workable, they don't.
We have that intrinsic motivation to learn and understand these things because we know that Bitcoin is far more than just a fancy tech-stock-wannabe, they just want to have a smooth experience and personal profit of using it.
I think im getting a bit off the way here, I gotta go to bed.