You can literally stamp your keys into some steel plate, bolt them somewhere safe in your house, and forget about them for 30 years. You use a hardware wallet for your day-to-day and a separate hardware wallet for your savings account and transfer between as needed.
It's not for everyone, but it isn't hard - it's just new context.
... for you. That's the key.
After the Thanksgiving holiday over the course of 2 weeks, I fabricated and installed individually addressable permanent LED holiday lights on my three story house and built out a control box for less than $1000. It wasn't hard... for me.
You likely already posses a great deal of knowledge necessary to leverage crypto that a lot of people don't. It's not hard... for you.
Crypto is not hard, it's in fact quite simple. It's just a matter of training people on a couple of simple rules. You don't need any pre-existing skills, you don't need any expensive equipment, you just need to be motivated to spend a few hours learning a new thing.
And this is with a wallet where you control your own keys. If you use a centralized site like Coinbase then is basically indistinguishable from something like those other apps.
The cognitive load necessary to grok crypto currencies doesn't displace that which is required to utilize existing financial solutions, it's just adds to it. It's also less forgiving and has fewer safe guards or regulations.
For most people, crypto is just an added layer of obfuscation and complexity with some speculative gambling sprinkled on top. It benefits few and only when utilized by many.
It's like cash, if cash were a bar of wet soap you had to hold onto while riding a roller coaster in the rain.