If you can write down 12 or 24 words on a piece of paper thats all you need for a backup. Hardware wallets make this easier but I agree it needs to be simplified for the masses.
I can barely convince my relatives that a 16 character minimum password and a password manager for their accounts protected by multi-factor authentication will make their life easier by only needing to memorize the 1 long password, that they could also write the password down and keep somewhere safe.