When you get past the initial hurdle of using keys and a key manager (eg. Hive Keychain) + back up, it's actually quite easy and safe. The mindset shift is a hurdle, but once we're past it we are in a better place.

Agreed. It is not brain surgery. Most can get it with a bit of concentration and it is well worth the time.

I am not sure large accounts. As stated above, if one invests a bunch of money, there is the likelihood that person will be very smart with the keys. It is likelier the smaller accounts.

The comment just above this one mentioned losing the keys.

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