In practice, what potion of people store and manage their own wallet on their own hardware? Isn’t that usage pattern extremely rare? If so, what’s the difference between having a bank account and a Coinbase (or other exchange) account?

well according to this https://www.statista.com/statistics/1011424/el-salvador-bank... only 30% of adults have a bank account to begin with. Probably a lot easier to setup a bitcoin wallet

It's absolutely easier. It just requires a computer connected to the internet. There are billions of those.

A bank account requires all kinds of state sanctioned proof which subjects you to authoritarian monitoring, which is by desing.

Not true. Strike requires KYC, just like a bank does.

Strike is not a requirement. The proposal is to allow Bitcoin payments, not specifically Strike.

What's wrong with either of those? And why are they harder than digital wallets and exchanges?