I guess it's like anything else. You can trust someone a little to manage your crypto keys or you can do it yourself whether its PKI or a Bitcoin wallet. You have to know and do more to trust less. For me, it's a really great value if software makes DiY crypto convenient enough to do crypto stuff safely enough that I don't have to trust or pay a 3rd party and don't end up wrecked because I got in over my head. Like bowling bumpers, but for cryptography.