what are those in laymans terms and how would you set those up?

This is the problem. We do not have anything that a layman can use. Everything requires significant buy in from the user. Why isn't this commercialised yet? We need service providers that abstract all the complexity away for some fees. nostr:npub1494rtg3ygq4cqawymgs0q3mcj6hucvu4kmadv03s5ey2sg32df5shtzmp0 why not lead the way? :)