You can’t say “no incentives to rug”. There is always such incentive until you hodl your own key! It’s easy to set up @ZEUS or Phoenix wallet nowadays and receive/zap from there.
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As a Nostr client, if they became a bad actor and drained everyone’s accounts, they would face the wrath of the entire community. So perhaps I should rephrase it to "little incentive to rug." The same level of incentive as Primal, for example.
And for a brand new user with no Nostr or bitcoin experience, asking them to download and set up a completely different app alongside their client is simply too much. Curious to know if you have ever actually tried to onboard people in person. It's an eye-opener.