ELI5 or point my dumbass to the right links

I like crypto, and I like the idea of decentralization BUT I get overwhelmed with the necessary steps associated with it. Specifically, the technical jargon.

Like why is it so difficult to convert to USD when I need money?

What the hell are gas fees? Proof of work vs proof of stake? Why does that matter to me who just wants to make money?

I understand those are all long answers (probably), but is there like some hub for me to get all this information?

I represent the layman in this realm, and such matters turn me off from crypto. I know many feel that way.