Keeping it at the user level is way worse. That's like Robert Breedlove recommending or following Swan Bitcoin's app. How helpful is that if he's not into software?
I care about verification, about "Is this app safe to use?", about "Does it only do NIP-49 key encryption and nothing else with my key?".
Builders (or specialized DVM's) actually have the skills for this. They will not do this for free, but anyone can pay them (even in the open). And their verification can verified and they have a looooot to lose.
FOSS also helps here in bringing a level of transparency you'll never have with users.