The Current client was the first Nostr client with integrated wallet. It's a good model. However, not client wants to manage people's funds for them.

I do agree that on-boarding is a major issue as it's essentially non-existent across most apps and is an afterthought. I am hopeful that this comes. This will being in the non technical people when we're ready for them. This is acting as a barrier now, protecting Nostr while devs build.