Bitcoin ecosystem today is far from friendly. There are tons of scammers everywhere, one can mistype an address and lose money, put a wrong GAS amount and lose money, forget private key and lose all money.
What we as pioneers should focus on is user experience: new people should feel more friendly when start using Bitcoin. The interface of the apps should be more intuitive and less scary. We should create an ecosystem with a strong scam defense.
Newcomers got used to smooth experience working with bank apps, they feel secure talking to their accountants and support managers. What my non-tech-savvy relatives feel when they start working with Bitcoins is "WTF?".
Without a UX breakthrough, Bitcoin will remain a toy for geeks, not a product for masses.
The majority of these issues can't be worked on without some form of centralization.
It's up to the user not being stupid to secure his funds. That's why Bitcoin is trustless, you don't trust anyone to keep your money safe because you are responsible for it.