For me the issue isn't even directly that it's too complicated - I have engineering and science degrees and an quite comfortable coding. I use both custodial and non-custodial wallets for different circumstance and I understand the trade-offs of both. I use a custodial lightning wallet primarily for zapping on Nostr and other small payments, and it almost never has more than $20 in it. Would it suck having that rugged? Sure, but its a minor nuisance. Do I wish it was non-custodial? Sure. The problem is, for me to invest the time and effort in setting up the Lightning Node for that purpose alone is disproportionate to the amount of loss I would incur. Having said that, I'm excited to see how fedimints bridge this gap.