Not really much related to web3/crypto topics, but I think this is an indictment of servers, not people. If managing a server were easy and secure, lots of people would do it - for blogs, a minecraft server for the kids, to back up their pictures, and yes, to store their bitcoins or other digital secrets - they just don't want to manage a unix or windows server.
It used to be hard to install a webcam, now it isn't. No reason server software can't do the same thing - all we need is for some gigantic corporation to sink 100k developer-hours into it (which sounds like a joke, until you remember that there are several gigantic corporations who have very profitable side-hustles hosting servers, and who would be creating a whole new class of customer if they did this).