Why do they have to create the secret key for me tho. That's now how it works. It means that they have a copy of my secret key even for one little moment. I can't tell what they do with that.
We have WebAuthn/passkeys for a reason. It has a bit of the usual W3C bloat but works well enough.
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Ideally they would just use npubs for accounts and link purchases to that but this is a good start