Some people just can't enjoy the Japanese turn based style of FF. Such people would rather play American style RPG's or even American style action-RPG's.
FF lacks accessability to some. But I don't know a single hard core gamer that doesn't like FF.
Much like a music experts opinion of music counts more than a regular person, a hardcore gamers opinion counts for more in regards to games.
Most overrated game? Zelda:OOT. Utterly un-outstanding in every way bar production and execution. It was perfect mediocrity made life.