The beautiful thing about bitcoin is that it's an open system, an open currency if you will, that will allow a nice app ecosystem to be built on top of it. That aspect will allow many non-technical people to interact with abstractions that hide away all the complexities (such as Stripe), but it will also allow experts and hackers to still tap into the network directly with their own wallets, nodes, private keys etc.

I think that bitcoin is currently in its early infancy when it comes to user adoption and still has a very long way to go before it reaches its potential. It's not completely off base to compare it with the way the internet was back in the early 90s.