i think nothing is stoping people from using bit coin. it is the matter of trust. those people who have study bitcoins are suing it as currency. and most of the people are holding it for its price increas so those people who have no idea about bitcoin only these people are reluctant.
You are partly right but you have to understand that certain conditions are needed that people can use Bitcoin.
They need regular Internet access, basic knowledge of English, somebody who can explain them about Bitcoin etc.
Also, what is really surprising today, some people are still afraid to use Internet for financial transactions, or to buy something online etc.
All this things stopping people from using bitcoin.
In addition, some people will not understand vision behind bitcoin and will see it only as high risk investment.