I certainly can't tell them to buy hardware wallets when they don't even know the basic stuff.
That's a problem they will have to figure out, or if not, face the consequences. Too many people approach Bitcoin and crypto in general too lightly. You can't save those people from themselves. It's even worse if they have money to invest. The more they have, the higher the odds that they will be scammed. If the money is tight, at least there is not much scammers can steal from them.
We live in a world of one-click-fix-it-all solutions. If it takes more effort than that, they lose interest.
I know how it is, many people who lost their funds due to human errors have come to me, several people who lost their funds due to phishing attacks and also from using passphrases (mainly on Trezor), without even knowing they were using a passphrase (they mistook the password for encryption of access to the application).
People who don't understand self-custody shouldn't use hardware wallets, they should at least learn how to use self-custody hot wallets, understand basic concepts such as the importance of not giving the recovery phrase to strangers, or saving it in notepads with readable text without any encryption, understand that anyone who has access to the seed has access to the wallet funds and can move the funds at will. The importance of open source and a good password and BIP39 passphrase. By understanding these basic concepts of wallets, people can consider purchasing hardware wallets.