I see what you are saying about the fake email. I only hold small funds for zapping as it is custodial. Yes, I have not tried CoinOS. Does it have NWC? As I needed a quick way to get NWC. I already run my one lightning node and have my own BTCpayserver on my Sovran Pro.

Yes, for technical users who are likely to set up "login/password and a 6-digit pin for payments" -- all good. But for normies, they won't set it up, they will only use their nsec, and many will lose funds because of this.