The problem, in my opinion, is that most people stop at or before ‘So you use a passphrase’ which leaves them vulnerable to the most likely SPOF scenarios.

That’s why we do it the other way around, start with collaborative multisig. If they want to learn more and be fully self sovereign later then go for it! But at least your bitcoin is more likely to be secure in the phase prefacing that then when you start all the way at the top of your list.