I mean if ppl only store small amounts, and they rug.. Only those that use it for far too much, will get hurt. Mind you ppl AREA leaving stupid amounts on wos.
The custody/trade off contest will never end I doubt.. 
This does make it difficult when it comes to on boarding ppl with minimal incomes.
I've got ppl using wos, but me makes me cringe. I fi this for ppl that really struggle with anything more than a password.
Sadly we've mostly come to rely on password recovery his email (horrendous)..
It is going to be a slow learning curve for many, many will never get there, sadly.