The two examples you provided can be understood at a lay level which is sufficient in most situations that you'd find yourself in. Now, if you were attempting to build a product or service that interacts with the Bitcoin protocol, of course you'd have to have a much wider and deeper set of knowledge of how the protocol selects the best chain and the different attack surfaces that exist.

I don't understand the systemic nuances of the SWIFT payment system but I was able to conceptually understand how it works without too much trouble.

Yes, that is complicated.

But equally messy was the origination of the Euro. Equally messy (maybe even more so) was the introduction of "legal tender" in the US in the 1860s-1890s. Equally messy was the abolition of "National Bank Notes" and the brief period where we had bank notes, Federal Reserve notes, United States notes, and Silver Certificates all existing and only mostly compatible. Or the Indian demonetization of the 500 Rs note. Or the Cypriot bank seizures. Less messy, but still complicated for those affected by it, was the seizure of gold bullion or the closing of the redemption window in the US.

Money is complicated, and Bitcoin has less history than any of these currencies.

Only miners and investors should care about this. Normal people should be able to use Btc without worrying about it.