Re: It's pretty minimal cost
"It is not trivially easy for a little old lady who wants to put up a couple of pages with pictures of her cats and her grandchildren."
A little old lady will not be setting up her own webserver, she will be using a hosting provider which will do all the work for her. If she is setting up her own web server and and ensuring that it is kept up to date and secure then I'm sure a bit of certificate management isn't beyond her abilities either.