Maybe we need centralized services for people to store their private ποΈ key in a "safe" centralized server under pasword123 so they can never lose it. Then we can offer them "forget password" button and they'll be happy that we store their private key in a plane text
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Apart from the fact that βthey can never lose itβ does not exist. Its just a responsibility one can do better and other can do worse
There are always people smarter than you, but most of the time there are no people more interested in something important for you than yourself
And choosing right balance is your responsibility even if you try to avoid it