Wrong in many ways. You expect someone to entrust you with bitcoin for safekeeping for a long period of time. Why would anyone do that when there are much better solutions, and the user has full control over their asset?

It is a very bad idea to make it easy to give away Bitcoins to beginners. Beginners must first understand at least some basics of how Bitcoin works and what the important terms are. Not only do they get the finished thing.

What are "verifiable Merkle tree proofs"?