I’d respectfully disagree. Functioning society is built around mutual trust, unless you have expertise in every area of life (medical, mechanical, financial, judicial, etc etc). Unless you’ve reviewed every bit of source code of bitcoin, you’ve got a level of trust in those who have.

Multisig isn’t necessarily for everyone, but I’d argue it’s the best solution for most (and family is a great place for your portion of back ups). But if you have the technical expertise and confidence to construct a 2 of 3 wallet w/ xpubs and can manually generate new public keys to receive deposits, then by all means, go for it!

If not, here’s what you’re trading off for ease of set up, transaction tracking, etc:

Not really sure what there is to lose there.

I definitely wouldn’t make the blanket claim that all “trust” is inherently bad for society. Just don’t think that holds much water.