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.
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.