You asked "You're also phrasing this as if you have to sacrifice security in order to get user experience... Is that true?", and I wouldn't presume to answer that question, as phrased, because I'm not sure exactly what you mean by "user experience"

But I will state unequivocally that security and convenience are opposite ends of a sliding scale. More secure is less convenient, and more convenient is less secure. You cannot have both. As Tycho Brahe (the Penny Arcade dude, not the astronomer) put it, "every avenue of convenience for the user is also a vector of exploitation".

There is no hardware solution to this conundrum, and there is no software solution. It is simply a law of the universe. The only working solution is compromise; you set that slider somewhere in the middle and hope for the best.