I think we may be passing as ships in the night a little bit - that is, I thought we were talking about cryptocurrency wallets, and the merits of a system with authentication relying entirely on cryptographic secrets.

I wish you luck in your development of such a system. I don't disagree with anything you said about learned helplessness, and I think it can be fruitful to push individuals or groups to overcome it, but I think trying to do that to the general populace is like trying to change the wind.