Sadly, I have to agree with you. I have a fair amount of money in bitcoin right now, but if I didn't understand the ins and outs of the protocol and like debugg

Sadly, I have to agree with you. I have a fair amount of money in bitcoin right now, but if I didn't understand the ins and outs of the protocol and like debugging, I can think of a few incidents which would have caused me to lose money (or at least think I lost money), and that would have frustrated me enough to pull out entirely. On the other hand, there are centralized services that manage these details for you, but then you arguably start to lose some of the benefit and appeal of bitcoin (beyond just an investment).