That's right! Currently such (static) keys are loaded at provision-time, when the server is first booting up, but there's nothing preventing it from being lazy-

That's right! Currently such (static) keys are loaded at provision-time, when the server is first booting up, but there's nothing preventing it from being lazy-loaded at authentication-time. Of course loading them at authentication-time incurs latency as tax. Nothing prevents two separate modules from existing: one eager-loads the keys, and another lazy-loads them.