How though, if you're unable to get past a simple challenge, are you going to be your own bank? If you give up facing an easy-mode hurdle quickly, how will you do something hard, like game out every threat to your stack?

The solution, for many, is to not be your own bank. But then, you probably don't need bitcoin.

optimism

I agree completely. I was just making the point that generally just a little bit of friction stops good intentioned newbies.