

It may not be quite as friendly, but PayPal or your bank can also freeze your account at any time and nobody can freeze your Monero address at any time for any reason.
So you can pick sovereignty or convenience. With Monero you have full sovereignty, but with the banking system you have a lot more convenience.

The only way I would ever even consider this is if the firmware was open source and the software to interact with it was open source and it had no direct connection to any sort of network at all and required an external device that I could turn off or on to connect to it an external network. Oh, and the hardware would need to be open source as well.