Email insecurity (was One of the great benefits of Open Source)

You can get a monero wallet from, e.g., the Monero website, or from the f-droid store (e.g. monerujo). Create a wallet, reply with an address and I or someone else may well reimburse your previous costs. ;)

I don't think Binance list Monero anymore, cause Monero is too good at what it does. We're basically in the middle of a repeat of the US' war on cryptography in the 90s. Mostly led by the EU this time. Just like then, it will fail, cause you can not unlearn and ban math. The CryptoNote paper exists, it's a beautiful paper - probably one of the seminal works in distributed consensus along with the papers on Bitcoin, Paxos, Radia Perlman's Byzantine General Routing System paper/Ph.D., Lamport's clock, and such - and they can not make it go away. Just like in the 90s, they will lose. (I need to get a T-shirt printed with the key equations from CryptoNote, like the old RSA t-shirts from the first crypto war).

So yes, this technology is still early days, it is not well integrated into other things, and it won't be for a while for various social reasons around distributed payment technologies and the clash these cause with state desires for tight control. Distributed payment technologies will win out eventually though.

If you want an entity to deal with, who will handle everything and indemnify you, there will be such entities. The existence of a technology that allows anyone to participate does NOT prevent anyone setting up a business around it so you can have a more traditional interface to it.