I think you underestimate what is required to balance security and redundancy. Most people I know don't have a good backup and recovery plan nor a good security plan for their normal digital info. If they have any plan, it's SMS based 2FA and cloud storage. With bitcoin, you need to more carefully consider both security and backup/recovery far more carefully. These are not insurmountable and they are ultimately responsible for the consequences, but I think it's important to have empathy for their predicament and how challenging this is for a beginner. People can need bitcoin and still find securing 24 words challenging. If we maintain empathy, we will continue to make UX as accessible as possible and effectively meet people halfway.