This isn't even an opinion, it's just a description of reality at the moment haha. Yeah, the vast majority of people don't understand what cryptocurrency really is. They don't really know what a private key is. An average person with some basic computer literacy can be told to guard a file and make sure it won't be deleted because it's super important, but they still don't really know the gravity of the situation. Many would think, well, the money is here in my computer, surely it couldn't be so easily lost, right? Ideally, I'd want to educate people in conjunction with streamlining the technology to give people control over their keys in the most easily understandable way. Seed phrases kind of help to let people back up their addresses, and I think a clever designer could use them to explain a bit about blockchain in the process of having them back it up.