Not sure this is a solvable problem.
With the move away from desktops, to laptops, to tablets, to phones (that are easy to lose, have stolen, break, trade in every 2 years) etc. the average person has no chance. And, what about users who do not even own a computer and must use internet cafe, How are they to keep a secure wallet?
This is one reason why I LOL when others post on these forums that BTC is the simplest, easiest to use, safest, most secure thing going. All that more than credit cards, debit cards, banks, Paypal, etc.
Just use strong password and you have the first step taken care of. If you know how to use bitcoin and stay safe, it really is the best thing, and if you can't,
then that means you wouldnt be better even with cc's and pp anyways.
In regards to people that dont own computers - they prolly have smartphone atleast, and if not, then they are irrelevant to bitcoin world imo.