Not sure this is a solvable problem.
With the move away from desktops, to laptops, to tablets, to phones (that are easy to lose, have stolen, break, trade in every 2 years) etc. the average person has no chance. And, what about users who do not even own a computer and must use internet cafe, How are they to keep a secure wallet?
This is one reason why I LOL when others post on these forums that BTC is the simplest, easiest to use, safest, most secure thing going. All that more than credit cards, debit cards, banks, Paypal, etc.