So you basically don't know?
From what I read here, lending bitcoins is more like playing Russian roulette. I guess you wouldn't call gambling as a business unless you are a casino owner yourself? If you are a borrower, Bitcoin banks would obviously require real collateral. In this way, on the one hand, borrowers will be discouraged from defaulting on their loans, and, on the other hand, deposits in such banks will be protected by proper collateral. In respect to everybody being be able to learn all they need to know to be independent, most ordinary people can't even install MS Office without help, let alone manage their desktop Bitcoin wallet
It is quite simple. If you are borrowing money to someone and do not get it back and also have no collateral, then you are doing something wrong. You should change something or let it go and stop lending money. Learn or leave eave the business to people who can do it profitable.
And do you really think people are to dumb to install Office? All they need is some proper training. Some are maybe to lazy or whatever, but everybody can learn it. If people have to they manage. If your life depended on the ability to swim, then you would learn it for sure. Were you born with the knowledge how to cross a street or did you first had to learn it? Just like most of us had to learn how to use a bank account, credit cards and stuff like that.
You analyze this situation in isolation
It is not about if people can or cannot learn something (they sure can if properly motivated). The question is basically about choice, not learning as such. If they can use web wallets and they don't need to install some abstract MS Office, the process which they likely don't consider as worth the effort, they will most likely choose the first option. Other than that, I'm heavily inclined to think that if there were no web wallets, many people wouldn't use Bitcoin at all