The hardware part is where it might be tricky but this is where I think solutions like Blockstream Jade shine. So if you can’t afford the HW wallet, you can create the wallet and still hold their keys without needing a device beyond your phone.

Digital entry point is often the most feasible to start even in places where people can easily afford a HW device. Additionally I’d expect cost of HW key generation & signing devices to fall as bitcoin adoption scales.