I understand your specific pain ;) I suppose a quick "hack" would be to allow creating "managed" accounts where you can easily have management access over a sub

I understand your specific pain ;) I suppose a quick "hack" would be to allow creating "managed" accounts where you can easily have management access over a sub-section of family/friend accounts without knowing their password, etc. That doesn't solve the underlying problem, though. Maybe there is room for a single-click-install desktop software app that simply takes the name/email of the destination contact for the arbitrary content and then crawls provider APIs to quickly determine how best to get the content to that person and orchestrates it using the APIs so that the end-user doesn't need to learn configuration screens and confusing (to them) UX.