Why?

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Two wallets, one source of entropy. Secondary wallet has no safeguards against getting rugged.

To clarify, I’m specifically against the touted bip85 usecase to Uncle Jim style wallet management for another person here. Just use a multisig.

I never understood the point of it. I just use wallet passphrases if i need a new root wallet.

I use it for small stuff where I don’t want to have to type a passphrase; maybe with the Q1 that’ll change