I agree, I just think that again the dread "it depends" comes into play, for some the HWW is a way to bring the idea of bitcoin into the physical world, for those who get a bit iffy with the idea that something is code and it's just living out there in cyberspace the HWW gives them some psychological cope, even though there's no fucking bitcoin on there but ssssh don't tell them that, most people don't need to know that a HWW doesn't hold any bitcoin lol

These tools often come with guides and community guides to help people and they feel safe because theres a logo behind all this stuff

As for the HWW and MS industrial complex this im with you on, I get its a product and a way to make money on bitcoin, but this fear mongering people into oh if you don't have a signing device or you don't have distributed keys you going to lose all your money is creating a narrative to sell you the solution

A lot of people can just get away with a Hot wallet and like you say DIY cold storage and splitting their corn between various single sig wallets, but people are lazy and dont want to learn they want to be spoon fed