Will people ever be comfortable with taking full responsibility of their own money knowing that they can lose it (all) with a single miss click of a button?
Discussion
I've wondered that myself.
Nostr will be a test for people to trust themselves with the key to their identity. There can be economic risk to losing your nsec (your lightning wallet) and there's of course the social aspect to it. But I would argue losing access to bitcoin is worse than losing access to nostr. We'll see if the masses can handle the responsibility of holding their keys.
There are various ways around this dilemma now, and sure to be more in the future.
There are services that keep one key in a 2-of-3 multisig (or other arrangements), so you transact normally with your two personally -kept keys and only have the service as a backup.
There are also brilliant projects like #fedimint which allow communities in #Africa and elsewhere to build a local trust group who has the ability to recover accounts.