No need for coin control if she understands the concept of KYC and NoKYC. Usually older folks get it even faster as most of them have dealt with opressive regimes.
I don't understand the complexity. For the taxi driver example: If its a hot wallet with small amounts why not save the seed phrase direclty in a password manager? Once the amounts increase there is now way but to study the different forms of self custody and the tradeoffs.