Having an account carries risk. My node key & my npub are my sovereign accounts that I control. Alby hub on the other hand requires albys website to authenticate their accounts, which for some reason aren't just our npubs.
Discussion
Right. For people that don't want an Alby lightning address and payment notifications, they can use Alby Hub without an Alby account. 👍
go through the onboarding if you don't want the additional features that an account provides then you don't need to use it. You get asked during onboarding your free to choose.