Very well written and you've raised a few good points, but I disagree on the point of "financial literacy" being a hurdle someone else has to break down in this day and age.

There are tons of books, blogs, vids and guides and articles out there about practically everything that's even remotely related to Bitcoin.

It's people being too lazy and arrogant / ignorant to bother about reading up about Bitcoin and it's related topics, not some imaginary "hurdle" that has to be taken down.