Comment by tcmart14

That is almost certainly one reason and an important one. But as the other commenter to your comment shows, there is a lot more. Protections is a big one. I also personally side that, you need a way for people to interface with their crypto like they do with their current bank and as simple as possible. Normal people don't want to have to juggle around keys. Hell, Im a software engineer and I hate having to keep track of keys. So every time I get a new machine, I create fresh new SSH keys. My SSH keys are disposable to me.