Yep. The fact that it even existed in the Brave browser at any point in time is enough to eternally dissuade me from using it.
No, creators did not have to be savvy enough to make their own ERC-20 wallet. We worked with Uphold at the time. Creators could verify with Uphold (a wallet would be created for them), and we would then send Brave's BAT (earmarked for the creator by Brave users) from our own settlement wallet over to the creator.