I would say it depends. If you have 0.001 bitcoin, then it's not worth a lot of technicalities, nor a multi-signature. On the other hand, if you have 100 bitcoin and you don't care about the technical aspects and you don't have systems like multisignature to protect your wealth, you are simply a fool with money.
It doesn’t matter if you have small amounts of bitcoin or a larger amount of bitcoin; that will determine whether you should use a multi-signature to safeguard your coins. No matter the amount of your coins, they need protection and security. Someone with 0.00001 bitcoin today can have 100.0000 bitcoin tomorrow. Do you mean that is the time when he or she will start safeguarding his or her wallet? No, because no matter how many coins you have, you need to protect them because they are worth money.
As a Bitcoin enthusiast, I want to say briefly that you shouldn't sacrifice simplicity for technicality. You are more likely to lose your bitcoins because of too much technicality than to scammers or hackers. An example of keeping things simple is that instead of storing your Bitcoin in a multi signature wallet that you do not understand how it works or have no experience in setting up, store your Bitcoin in a soft like Electrum wallet where the process of setting up is pretty straight forward. Another example is using simpler and recommended ways to protect your seed phrase instead of some ways that has too much complexities and technicality to it any mistake can result in its loss forever.
What I understand here is that you have just been lazy, because if your account is not safeguarded, hackers will have access to it without lots of stress. When you think you are following simplicity, you are just being too lazy to learn.
That is why educating people to purchase or invest in bitcoin is not enough; it is also important to encourage them to engage in classes and research that will help them understand bitcoin and its technical aspects. You can purchase bitcoin, but it is of no use to you if you don’t know how to safeguard it because you might lose it due to your ignorance and think that bitcoin is just a scam. So let's protect our bitcoin and learn more about the technical aspects of bitcoin. It will help you a lot.