I know people dont like this, but I think what Edge Wallet did was pretty user friendly.

Password and pin. Encrypt the seed. User doesn't sees it. Has option too using password.

Users are use to that format. Very approachable.

Not perfect. Something to build on.

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Nice I’ll have to check that wallet out. User friendly is a must if adoption is going improve. People coming over from the fiat world are not going to deal with complexity.