It is still sounds like super-dumb to me. Bad design and you still relies on somebody else's computer who can veto your transaction. People use non-full-node

It is still sounds like super-dumb to me. Bad design and you still relies on somebody else's computer who can veto your transaction. People use non-full-node SaaS Wallet because they don't understand the true value of cryptocurrency. If they got veto from the SaaS service they are using. They practically lost their property. A money never used is a lost money. Also, That's why they manually download the fake update from URL that doesn't belong to the first-party. Because they are dumb enough to use SaaS wallet.