dug into this further and found the cause...(yes, there are bugs)

when first entering the app, with no wallets or keys, create a wallet.

you cant make a normal wallet without keys so make a hot wallet.

this creates a key, and the wallet.

now decide you dont want a hot wallet, as you instead want a 2 of 2 multisig with a hotkey and a tapsigner.

delete the hot wallet.

at this point, you dont have any way to backup the seed words for the key that was created it for the hot wallet, but that key can be used in more wallets.

it would be better if users could always export their seed words.