The only practical issue standing in the way of decentralized services is a lack of business vision. No one has managed or bothered to propose viable business models for decentralized services.

Novel approaches to the business side of decentralized services will naturally allow for a re-think of the UX issue. (Business model -> default config for "grandpa")

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An alternative solution approach requires faith in one's government. Can you trust it? If you can, then a national identity services (yes, the dreaded digital id) can provide the infrastructural back-bone to build federated systems.

At the end of the day, location and identity is -all- you need to "reach out and touch someone".