(taking a slightly Devil's Advocate stance here...)
We must not make it acceptable or justifiable for illiterate by choice Joe Public to say "I won't do it because it isn't easy".
Sorry, but we're already there. For most people under 30, and many older ones these days their personal computing device is a smartphone. Not a tablet, not even a laptop and certainly not a desktop. Some people don't even bother with a fixed line internet connection (unless they want to use Netflix on their TV or get it as a bundle with Sky or Virgin), which is a double-win because if you have a mobile phone, why would you want a landline?
Why do you think laptops have been in short supply these last 10 months? Because people didn't already have one, or had an old laptop that couldn't cope with Zoom, Google Classroom or Teams. Or maybe they had just one "family" iPad, but two school age children. One of the biggest selling categories (anecdotally)? Chromebooks. Schools' biggest headaches? Online lessons really don't work very well on a smartphone and "live" online lessons eat data allowances like Billy Bunter asked to guard the headmaster's birthday cake by a trusting cook, so vast numbers of laptops - mainly Chromebooks - and large numbers of 4G modems have been handed out because many pupils only have access to a smartphone, and some only have access to the internet via that phone. Up until now it hasn't been a problem.
I digress. Current WfH requirements aside, for the vast majority of what Jo Public wants or needs to do "online", a smartphone is sufficient and a Chromebook is luxury. Web mail is sufficient for setting up shopping accounts, receiving password changes or communications from school and is very convenient because it can be accessed anywhere with nothing more than a username and password. You might read your Gmail in a client on your phone because it all gets set up for you when you switch the thing on, and that's brilliant because it means you don't miss the important message from the Amazon delivery driver if you are not actually sat at the computer.
[Further digression: Who needs a camera or a way of storing digital photos and videos locally when they have a smartphone with instant upload to some cloud service or other. One person I know ditched her PC, where she had been keeping her photos, because she decided an iPad was sufficient. If she takes a good photo she'll send it to Vistaprint or Moonpig or whoever and stick it in an album, old-style! If the digital versions go missing somehow, she doesn't really care, but I have been on the wrong end of calls from acquaintances of "all my family photos from the last year are on this SD card which I accidentally formatted", so perhaps there's something to be said for cloud services.]
Ever wondered why you never receive properly-formatted, well-reasoned, gramatically correct and interesting emails from your friends these days? It's because they are writing them on their smartphones using those useless onscreen keyboards which are more suited to quick-fire instant messages. They are only emailling you because you don't use TwitFaceWotzaGram.
Instant messaging is taken care of with any one (or all) of the (probably pre-installed) usual suspects, and for everything else you use the pre-installed web browser, i.e. Chrome or Safari.
It's only the likes of us who persist with "proper" email clients, who would rather run our own "clouds", who are willing to spend the time and effort to choose the best software for the task rather than simply accept what you are given because "it just works" and who get really cross when flippin' work email sends Javascript from about two dozen different domains*, all of which actually belong to Microsoft, and Teams takes an age to load because it has to be responsive and look pretty, rather than just downloading a few k of text-based emails. I think my point about XMPP has been ably demonstrated above - everyone has a favourite client, and running a server isn't a trivial task.
Hurumph.
M.
*through experimentation I have found that not all the JS is necessary. For example, once you have got to the login page (I think it's three domains before that, depending on whether you have dialled up office.net, office365.com, any of several other Microsoft domains or come in via your organisation's redirection page) there are two further domains trying to run JS, they're called something like msauth.net and msftauth.com, but only one (either one) is actually necessary to get you logged in. In Teams, if you only want to read email, there's no need to allow JS to run from the two (I think) Sharepoint domains, which are where the calendar lives, and so on.