I disagree because my bank requires me to to 2-factor authentication, it requires me to type in a 3 digit CVV code to use my credit card online. People expect these kinds of things. Normies expect these kinds of things.

Forcing it on them will work as long as the UX is easy. I don't think anybody has made an easy UX yet, but I hold out hope.

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The bank in the region I live ask for a password, passphrase and 3 letter for everything you want to do in the app and most of the people here uses it.

I really don't get when people say Bitcoin and nostr is hard when most of the other areas are way harder and with a way worse experience