It's true, even 99% of Bitcoiners doin't get Bitcoin. It takes a long time and a lot of touches. As nostr:nprofile1qqsg86qcm7lve6jkkr64z4mt8lfe57jsu8vpty6r2qpk37sgtnxevjcpz4mhxue69uhk2er9dchxummnw3ezumrpdejqzrthwden5te0dehhxtnvdakqaktkhj always says: we've never lived in a free market. We've never know a world like the future we're building.
Also the "everything people don't understand about economics plus everything people don't understand about computers" factor. Also, money is about incentives and incentives are felt not thought. You know the ground is solid with your foot, not your head (ideally)
It helps if the system really stomps on you once or twice too. I wouldn't wish that on anyone, but it definitely speeds up learning.