There's a fair amount of work on key security, such as via multi-party computation, Shamir's secret sharing, etc. These let multiple parties combine to give acc

There's a fair amount of work on key security, such as via multi-party computation, Shamir's secret sharing, etc. These let multiple parties combine to give access to a key. Some cool stuff here are companies like https://web3auth.io/ https://web3auth.io/ and https://magic.link/ https://magic.link/. This stuff is useful outside of blockchain as well. The state of user protection in crypto right now is definitely bad, but there is a lot of work and research being done to improve it. EDIT: I think I'm actually making the same point you made, but anyways here's a couple cool links and things to google for secret security :)