Agreed. I think it leads to lost keys and ultimately inaccessible corn. Collaborative companies like Casa have a role on that space, but multi-sig as a whole is difficult for your average user to do right.  

 So what do you see as a solution for the average user then? If they can't manage a key then single-sig is out of the questions. Leave it on exchanges? 

 I think a hardware wallet with a secret passphrase is the best self custody solution for most. Jade is excellent for this. They need their device and a pin. Same set up asost bank accounts... You have your debit card and your pin. 

And it's not about managing a single key, it's about managing multiple keys. First off, the concept scares most away and I think the complexity increases the chance of failure.

For some, custodial solutions will be the best whether the Bitcoin community wants to accept that or not. People want simple.  

 I don't believe that the base layer will be used for mass adoption. I do think that the ones that er using the base layer will have significant amounts of purchasing power that it warrants a proper security model such as multisig.
Also, multisig configurations have come a long way and are now much easier to set-up, especially with collaborative custody models.

I would rather have less people using Bitcoin and properly securing it then a lot staying with exchanges or getting lost due to security mismanagement.

Let's see what the developers can bring us in the coming years/decades to improve custody solutions :). 

 I agree with all that.