OP means to say, "Many people will be incapable of properly securing their bitcoins."
This may be true. People have been programmed to be irresponsible for so long now. They just happily pay someone to take care of everything for them. They pay people to insure their property for them. They pay people to protect their money for them. They pay people to make crucial decisions about the world for them. They pay people to raise their kids for them. The list just keeps on going.
This will simply change over time as new generations learn how to deal with the freedom of responsibility which Bitcoin can provide.
By the way, it's not rocket surgery.
1. Create private key offline.
2. Store private key offline.
3. Sign transactions offline.
There is even software available to help regular folks like myself accomplish this task! It's called Armory.
It is precisely that. It can be extremely difficult even for intellectuals, never mind some average Joe.
Say your laptop is offline, say it is a modern laptop with a chip the size of a micro transistor, what the chip does is it transmits data over a radius of a kilometer so a perpetrator can connect from a black box (or connect said black box to the satellite and connect from across the world) and gain access to your desktop, your hard drive, your whole virtual world and identity, even without you being connected to the internet or having your Wi-Fi on (or even having either present).
It use to be that such chips were installed in military hardware as some leaked documents show, these days it's safe to assume that they are in everything unless proven otherwise.
Your best bet would be to buy a laptop from 2006, take it apart and remove the graphic card, the wi-fi chip, the sound card chip, the bluetooth chip and everything else which isn't required, install a linux based system which isn't total shit while verifying the checksums and even perhaps swap some of the hardware with other 2006 or older hardware (ideally from before American 9/11). Even then I wouldn't taunt our three letter friends because the odds would still be against you.
So yes, neither Tor, nor PGP, nor Bitcoin is "secure", even for intellectuals.