I wouldn't say its so much the UX. The UX even on some crypto projects is just fine (see some EOS projects, apps, and dApps). The problem I see is that what incentive do end users have to use crypto/privacy/blockchain/whatever apps vs the centralized alternatives? Currently? None, because no one gives a damn about their privacy/data. I don't think it will be my generation (millennial) that picks this tech up, I think it will be later generations that have seen our missteps when it comes to digital privacy.

Doesn't EOS suffer from the same subpar UX around secret keys?

As compared to losing a debit/credit card

Keep in mind that the EOS ecosystem extends far beyond downloading a CLI client/etc. EOS Lynx[1] is a wonderful example of a decentralized wallet that has abstracted layers away to the point where it looks/feels/acts like a "regular people" iOS app

[1] https://eoslynx.com/

Would focussing efforts on sound data privacy legislation and education go further to protect the people?

Or perhaps outlawing targeted advertising?

Shameless Plug: I am trying to working on something around those lines, its called Bitcharge[0]. Its essentially paypal.me for crypto with multiple cryptocurrencies. I would love to hear your thoughts about the general UX for the project.

[0]https://bitcharge.co