They absolutely can deal with the one-time setup of one single thing that's easy to set up auto-pay for. It's so many additional concepts when you add in the ACME challenge/response because now you have to learn sysadmin-type skills to care for a periodic process, users/groups for who-runs-what-process and who-owns-what-cert-files, software updates to chase LE/ACME changes or else all your stuff breaks, etc.

Your attitude is so dismissive to the general public. We should be encouraging people to learn the little bits they want to learn to achieve something small, and instead we are building this ivory tower all-or-nothing stack. For what, job security? Bad mindset.