Sure I agree... most people don't know how to store their keys securely... I am just pointing out that if I told people what I do, then they would know how to steal from me, right?... thats the dilemma..
Anyway, there are many ways to store the keys.. so I think the best people can do, is to educate themselves through experience with small amounts, to get comfortable with the different ways... and I bet Heidi is right that there are a lot of bad advise out there, so everyone needs to think for themselves and get real experience.
As for a steem wallet, I recommend printing on paper and store it in a safe place.