The point is that 95% of adults have already done #1 and #2 and half of #3, and they have experience giving their credit card info to other websites.

Maybe if you were starting tabula rasa with eleven year old children who'd never had a bank account or used a website before, maybe then bitcoin would be easier (provided they didn't get hacked and have their coins stolen[0]).

[0] https://twitter.com/Coinapult/status/577892916309291008