And yet gargantuan financial institutions keep getting fined for various kinds of misbehavior, on a what seems to be a regular basis. The one that sticks out in my mind aside from this kind of failure was the systematic fraud perpetuated by Wells Fargo. Are any execs in prison or was it just financial fines (i.e. cost of doing business) and job losses for the lower level peons who executed the (plausibly deniable) orders?

You will have to forgive me for being entirely unsatisfied with that level of accountability.

Re: ease of use, I think crypto skeptics tend to intentionally overstate the knowledge and skill required. We're not exactly at the "grandparent safe" level yet, but framing it as something only for the "techno-elite" isn't fair either.