When you meet and have to know the "depth 2 of 3" concept in SBW/OBW?
Clients will improve in parallel with the adoption, it is a natural law about tools and tech.
But to use hard money people need to take some responsabilities and learn a little, the minimum is how to keep 12 words safe. LN has more complexity, need more UI/UX work and maybe technical solutions for a smooth non custodial use. But today I don't see other exceptional examples around that can be preferable (waiting for Zeus full node! Blixt is great but a bit technical and UX can be improved). Let's see the new Phoenix with this splitting (now the fee are absurd, imho).