I would concede that you're right, however Apple doesn't provide a construct for the 99% to "do it right". Yes, there will always be those that blindly trust,

I would concede that you're right, however Apple doesn't provide a construct for the 99% to "do it right". Yes, there will always be those that blindly trust, however when you start talking about a master umbrella for an indivdual's complete, and utter, online presence including physical ties to money, property and other assets it shouldn't be taken lightly. If Apple had provided a "just works" method of showcasing how they cannot ever, without a doubt, decrypt the data while it sits on their servers, or offer up a way for the end user to easily leverage another service (for seperation of duties) they wouldn't receive the flack they do from those who inherently know the risks. I have had no problems getting family members to adopt 3rd party password tools. An hour showing them along with explaining the rationale and the light bulb switches on. A simple document showcasing how to generate new passwords and add new sites or services goes a long way for the few times they do that particular task. The root problem is that the 99% seems to be ignorant, not because they want to be, but because someone hasn't talked them through it. I find that pointing family to pages or videos is far less effective than me, personally, explaining things. Not sure why - but it's far more effective (maybe because they know I've actually taken time to show them vs just point them). I still view iCloud as a bad idea and wouldn't recommend it to anyone I know.