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wallet is web based, browser is sufficient

no email address or phone required, coinos will generate a username and password

username@coinos.io is your lightning address

they can send and receive lightning and on-chain payments without understanding the difference

not great but excellent and fast tech support from the owner/founder Adam via email and Telegram

edit:
I have recommended it to so many beginners that I use it myself, "forever novice"

because they are based in Canada, you don't have to worry about KYC nonsense that shutdown Wallet of Satoshi and Phoenix

send and receive lightning and on-chain payments without understanding the difference

That's very nice

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