#[2] did an answer on this on his show a few months back.
The last section of his expert council Q&A episode 3219.
If I recall the gist was, do it inclusive with an offer of a chunk of your time to help onboard them and then walk through it with them in person and then keep a copy of their wallet info yourself. If it clicks for them they’ll eventually not need you as a trusted 3rd party and can create their own private wallet. If it doesn’t click today but they come back to you in 2 years with renewed interest but having forgotten their access, you can restore it with them.