Yess! They have to understand the whole blockchain. Not the technology, only the principles. You can't put real bananas on blockchain (not just NFT's 😀), but as I've mentioned earlier you can track the container's full of bananas. BTW: not only PoS and PoW exists (see the NEO with dBFT)

You are right. Some will never understand the importance of the blockchain, it is worthless to try to explain. THX 😉