I doubt more than 10% of people who buy crypto are "experts". In the sense that most of them can't explain how a blockchain works (even roughly), what problem it's really supposed to solve, and what the actual difference between BTC and ETH is, let alone other chains, DeFi, NFTs, etc.
The reality is that it's very, very difficult to understand crypto in any real sense. And that's without considering that whichever side of the argument you lie on - crypto is a weak proposition insofar that so is gold and cash.
The only way to understand it in a real sense is to realize that currencies don't have to make any sense whatsoever. If people accept it, it's a viable currency. Literally nothing else matters.
Fun fact: 90% of USD doesn't physically exist according to the Fed itself.
It's mainly a solution to the Byzantine Generals problem which is basically about forcing trust among the trustless or untrustable. How does it solve that? By forcing the participants to invest in the system in such a way that they can only participate in a trustable way. That may seem like circular reasoning, but the details get into nested rabbit holes that cross computer science, cryptography, psychology, and economics.
Best to read up on it for more explanation. As it's over a decade old it should be trivial to find commentary in your preferred language and level of analysis with only the simplest of queeries.
