Yeah or Kraken? I suppose. Hopefully these newcomers also understand the agreements they enter into with their custodians - I know for instance Kraken (who gains control of funds when they stake them) does not offer any insurance or guarantee for the funds they stake.
Also I’m really hoping people interested in the success of Polkadot can come together to brainstorm ways to incentivize active - rather than passive - network participation,especially with newcomers to whom interacting with the network often seems daunting at first. Ultimately I think that 12% return from custodial staking means very little if I have done nothing to contribute towards the security of the network upon which the value of my stake depends. If the network dies, so does my stake. I think it falls on stakeholders to accomplish making the network more beginner friendly: with on-chain governance live now, we really have a self-deterministic system. There’s no cavalry but ourselves to call. Surely a challenge we can rise to achieve?