> We manage to explain people to not poke with scissors into electrical outlets (and make it hard to do so accidentally) - we can manage similar stuff with computers too.
I don't think this is a good analogy, because the example is simply warning people of a thing not to do. It takes no effort. Maintaining backups does take effort. This is more like getting people to pick up a new chore, just like how many people see interacting with their bank and financial services as a chore.
Many people who work in IT (or are into computers as a hobby) discount the effort it takes, because there is a lot less friction between them and computers than for the average person.
> even the systems marketed as current state-of-art (Passkeys) are poorly designed and don't even allow to have proper 3-2-1 backups conveniently (can't enroll a device sitting in a safe, it must be physically brought online which beats the whole point of offsite backups).
Design it to make backups and failover secure yet easy, available out-of-box, and explicitly recommending best practices to follow - and everyone will do it as a no-brainer, at least for anything they care about.
People have been saying this for a long time. "We just need a better system!" The system doesn't exist because people don't want a system that requires effort. It requires effort to protect a secret that, if leaked or lost, would irreversibly result in your financial ruin. It requires a lot less ongoing effort (to a non computer savvy person) to use financial institutions to store their money securely.
People will choose the system that safeguards them and makes sacrifices that many computer security and freedom oriented people will find undesirable. This is demonstrated by the choices that people have repeatedly made.