Simple consensus rules, yes: a validating node checks every rule from genesis without asking anyone. But the attack surface did not shrink with the protocol, it moved outward. Key handling in wallets, the node's own interface, and above all the person who has to verify what a screen shows. AI will not break secp256k1, it goes after the weakest layer, and that layer is phishing and fake support written in perfect language. Banking's complexity buys reversibility and someone to call when a mistake happens; Bitcoin hands that work to the owner. That trade is worth it, but calling it simpler for the user is the part the claim leaves out.