Every email challenge, 2FA token, username/password, biometric, or even SSL sites you've interfaced with is an abstraction or workaround the difficulty in managing keys.
Seed phrases are hardly an improvement over post-it notes on monitors in the 90s, most disks are volatile storage, and memory is lossy.
Large custodians with geographically dispersed enterprise-class HSMs behind policy engines are going to be the inevitable conclusion for most until we start thinking outside of the box rather than tinkering with toys and treating bad BIPs as canonical.
quotingHWW maxis becoming ETF maxis was not on my bingo card for this week
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