I agree with you and I think alot of people missprice the risk, and don't know how to do the cost calcs, like they look at buying/setting up a node/buying a hardware device and learning how to use bitcoin properly, they look at costs of coinjoins and think I don't need it right now
Every time you introduce risk into your stack and you know to each their own, but as time goes by that risk will come for some people
I used to be a big buy bitcoin bro, now I don't even bother to tell people because if they don't want to use it properly or be arsed to learn go store your money in a fiat or fiat asset instead and take the counter party risk nothing I can do for you if you cant help yourself
The ones that I have helped were people who were in a mindset of how do I get bitcoin and hold it properly and those people are awesome to engage with and they ask all sorts of questions, this is the type that I am more than happy to help