Nunchuk + Tapsigner with extra keys as backup. Sounds complex but easy to use, easy to think “this card accesses my money,” and they can send me a backup of the wallet so if they lose their phone they can text me. As long as they have one of their cards and their backup of their mobile, they have their bitcoin. 

I’ll give them what they need to ensure they can do it all alone, but I’m also setting it up so I can assist easily if they need it.