So my appeal to join lemmy is not aimed at Joe Blow, it’s aimed at the actual contributors who make communities possible. If enough of them switch over then lemmy will gain critical mass, and the rest is history. Joe Blow can go wherever he wants. I doubt he’ll stick around at Reddit when the content stream disappears.
Contributors generally create content because they want it to be seen by more than a handful of nerds and don't want it to disappear within weeks because their instance has ran out of money.
Those contributors will either stop contributing for good, go back to Reddit (because it's still a better experience than any of the "fediverse" bullshit) or jump ship the second an actually competent company builds a centralized alternative that just works.
So no, I reject the premise.
People absolutely do care about governance. They care if they're getting spammed by crypto scammers or getting targeted by abusive trolls. They care if their political views are being censored or things they find offensive are being promoted.
The difference is, on a traditional, privately owned platform, the users have limited choice and no say, and they've gotten used to that as the status quo.
And if you're a user who really doesn't care, cool, just join mastodon.social or lemmy.ml and move on. Problem solved.
As for complaints about onboarding, the official Mastodon app already drives people to mastodon.social (much to the chagrin of some folks in the community), so I have no doubt those issues will smooth out with time.