You can use shockwallet in boostrap mode for the simpler UX immediately. Eventually, once your balance is viable, it'll spin up a cloud node behind the scenes with full automation, enabling you to invite people to share access to it. Invites are just an nprofile that connect the wallet to the node over Nostr.

This spreads the inevitable costs around, but keeps the trust local within families/social circles/small businesses.

It's already pretty simple if you want to do this, if you can buy a linux VPS and copy paste literally one line of code you're good to go.