The average user (the same user that doesn't want to be bothered with running a server at home) doesn't care about this, I don't think. Most people would prefer to rely on a trusted authority or expert for this sort of thing.
When talking about democratization, the average user is probably the only user that matters.
Yes but the fact that the user will do what's convenient does not mean it is better. The thing about Bitcoin (as an example) is that 99% of people using can't parse the source code, but they all know that if there was an issue in it the alarm would have been sounded by now by someone who could.
When talking about democratization, the average user is probably the only user that matters.