I like simple. Sending ecash by DM was also called a hack, but, heck, I like the simplicity. I also like the approach that all security is vested in protecting the nsec. Safeguards can be added in where required. The other thing I like is that login by DM and ecash by DM, I can implement without waiting for a nip. It's all about experimentation for now.
Same goes for nip04 and nip05. Simple. I'll manage the risks for now.