There are a few different factors to the One Ring's extended lack of success with hobbit ringbearers (Frodo, Sam, Bilbo, and yes, even and perhaps especially Gollum*), but lately I've been thinking about how the hobbits have... genuinely very little understanding of what the One Ring's powers actually are and how a hobbit could ever hope to wield them.
As opposed to, say, someone like Boromir, who has the education of a prince (including history, military studies, maybe some magical theory?) and grew up on the increasingly apocalyptic front against Mordor. Boromir understands that the One Ring's unmatched ability to influence and dominate could perhaps, if someone with sufficient magical ability could hack it, get the orc armies to back the hell off his home.
And I do think that urgent relief is actually possible on a very TEMPORARY basis before the situation somehow blows up. The One Ring is both a source of power for Sauron and his greatest vulnerability. I don't think either Galadriel or Gandalf would be tempted by it unless you could pull SOME significant benefit from the One Ring; but they also know that the downsides of keeping it are worse in the long run, and also that the short run is likely to be much, MUCH shorter than they'd like.
(I do think Denethor and Boromir are most likely to try to wield the One Ring themselves, but I just remembered that Faramir was tutored by Gandalf once upon a time. Now, I'm imagining a deliciously dark AU scenario in which Denethor makes Faramir try to wield the One Ring for them.)
I'm not necessarily making an "ignorance is bliss" argument. It's just... Okay, supposedly, a rather effective negotiation tactic is to calm the whole process down and to utilize "how" questions as both a soft, unspoken "no" and also move the conversation out of emotional "winning the deal" territory into a more productive "what are the actual logistics of implementing this ideally mutually beneficial agreement" area. I think the hobbits generally just have... a very different "And how am I (a very small hobbit of ALL people) supposed to do that?" questioning mindset.
Smeagol, Bilbo, and Frodo get the One Ring when it's at its relative weakest, for one thing, and they're not under the same overwhelming desperation as someone like Boromir. Sam gets the One Ring at perhaps its most powerful and his most desperate time, but even then, the One Ring tries offering him everything and he's like, "How is that supposed to work? I'm a hobbit. I'm a humble gardener who doesn't know anything about magic. How am I supposed to wield ultimate power or rule the world? Seems unrealistic, honestly." (It helps that he's also just intimately seen the One Ring screw over both Frodo and Gollum pretty badly. Other factors, yes.)
I think the One Ring is most in its element with people who have some power and self-importance already, with kings and princes and sorcerers. Meanwhile, you hand a magical item of unspeakable destruction to a hobbit and the hobbit is like, "How am I even supposed to use this? No, really, how does it work? I don't get it. What is this, again?" Starting with nothing compared to many other characters, Frodo and Sam have perhaps the plainest view that all the potential power and leverage is on the One Ring's side of any arrangement. And you have to first persuade them that this IS a usable tool for anything besides turning briefly invisible, because from their perspective, it's not.