If you require all users to self custody private keys you will never reach mass adoption.

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Y? A private key is no different than a password. And npub your account ..

I don’t see any complexity here.

Recovery can be worked out too. I think it’s already possible?

every paradigm shift had the exact same detraction

Probably true but I guess we all leaned to store passwords for the most part, maybe people are more capable than I give them credit for