I am somewhat technically savvy and find what is described hard. Now I imagine all those crypto bros saying banks are zeros and no one needs to use them and all should go into crypto and then regular people would just quickly lose all the money to scammers. I can't imagine a grandma following all the procedures to store her crypto or trying to send crypto to someone without messing up a letter in the wallet. I don't know what the solution is that is not centralized and yet secured and easy to use & understand for regular people.