I kind of agree with this but also know that normies can adapt when they need to.

Sounds like what you're saying is there needs to be some middleware services that hold your keys for you, but also give you the option to extract your keys from the service if the user wants to,

These somewhat exist for bitcoin already in the form of exchanges only difference is that in bitcoin you can make new keys and transfer the value there, where as on nostr i don't think that's possible (yet).