Some students can find math difficult because it requires abstract thinking. Some people deal better with concrete concepts. This is why some math problems are presented as word problems.
Math is difficult for some because you must imagine things, without having physical objects to look at and understand. People who do bad with algebra often do very good with geometry, since you can SEE what you are trying to solve.
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Some do, some don't. It is wrong to generalise.
Bridge Math is not difficult, for its instructions shows its students with better improvement from math.
Because many students find it boring and there are so many exceptions to formulae and rules to remember
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"most difficult" is a personal thing. What you find most difficult someone else might find easy and also, the other way around.