[malthaus]

There's a reason no normal human being outside of a small nerd-circle uses PGP for encrypting mails or rsync instead of Dropbox.

Why would any non-techie ever want to deal with safely storing keys to a wallet. Or without having access to a trusted third party to help when issues arise.

This is such a non-starter and one of the many reasons why there will NEVER EVER be mass adoption of Bitcoin outside of speculation.

Just because an unholy alliance of utopian nerds and fraudsters wish this to be true doesn't make it happen.

[mattwilsonn888]

That's simply not true. I have personally and remotely set up a professed tech-phobe with a hardware wallet. If I were to die they could recover it on their own.

But, taking your point and rolling with it, there is nothing necessarily wrong or futile about using a properly set up and insured bank with crypto if the hardware wallet is still too intimidating. It could even be set up with certain multi-sig schemes such that a fourth party + the client could withdraw without the bank's permission.

The point is that even when custodied, Bitcoin has arguable benefits over normal currency. I'm sure you will disagree with those benefits, but at this point that would be a Red Herring.