It doesn't have to be a full node for everyone. Electrum or another light client is fine and is about as easy to use as any centralized website could be.

You can't get robbed if you own the private keys (well, short of giving them up at gunpoint I guess). That's pretty much all there is to it. But it's harder to make money off a truly decentralized system so there are always going to be shysters like ionomy trying to coax you into giving up the control without fully disclosing the risks.