Let me tell you a true story that I observed in my working life about the importance of failsafes in financial transactions:
I was on my company's M&A team, preparing for the acquisition of another company in our industry. This company had a long list of part-owners [something like 50+]. The purchase price meant that the average payout was something in the ballpark of $100k. For various reasons, we were going to pay each individual party directly, so part of the negotiated sale documents included provision of a list of approved bank details for receipt of wire payment.
In the weeks leading up to the sale, I called each individual to confirm validity of those details. The lawyers on the acquired company did the same thing. Someone who worked under me did the same thing. My boss did the same thing. There were maybe a dozen iterations of the sale documents before finalization, and each time, those details were confirmed to be unchanged, and at the end of it, we had signed verification from each party, as well as the independent phone calls, confirming all bank details.
The day of the sale came and went - everyone got paid, or so we thought. The next day, one of the prior owners called us to say they didn't see the wire receipt in their bank account. We investigated, and found that this guy had given us incorrect details. He had in the multi-100's of thousands of dollars coming to him, and at least 4 separate times, he lied about having his bank details in front of him when he gave the agreement that the info was correct.
Do you know what happened? We called the bank, they agreed that funds had been transmitted to a null account, and after a verification period, the receiving bank reverted funds back to ours, and we were able to pay the amount to the correct person. [note: If the details provided had been a valid recipient account #, it would have taken longer, and a small chance exists that if those funds had been immediately liquidated by the ill-gotten recipient, we would have had to take legal action to rectify the situation. But even in that case, we would have known who it was [or rather, the recipient bank would have known], because of the maintenance of the KYC network].
Do you know what would have happened if this guy had given us an incorrect crypto address? The funds would have been wiped from existence.
This was probably the largest financial transaction of this man's life, outside of possibly a home purchase, with an extended confirmation period and multiple avenues of verification, and he still couldn't get his own bank details right!
So now you tell me - what are the chances that you could explain, safely, the Monero methods, to a man who didn't understand that his bank's phone number was not wire payment instructions?
Edit to redirect to answering the question as asked - per @Geoffrey Brent in the comments to this answer: 'One of the reasons many people don't use crypto is that it's full of people who believe things like "it's okay for somebody to lose their life savings without recourse, if it's by their own mistake"'.
The asker is trying to proselytize about the merits of crypto, specifically to those who don't use it + don't know how to use it, and still finds time to blame such a person for any financial loss they might suffer if they use the system s/he is asking them to use! Well guess what - when faced with the risk of this type of loss due to personal error, most people refuse to get involved!