With that in mind Fedi might be a good option because at least there is a direct communication channel with the mint and other users in app. Free Madeira Fedi closed and the warning was there for anyone to see. Another option could be a liquid wallet disguised as LN like Helm. No channels, you get a seed, and super easy : https://helm-wallet.pages.dev/ 

 They could even use Helm inside of Fedi, giving them 2 wallets with different tradeoffs in just 1 google search and 1 app download