Private Memo Key
IMO the key is not used much today, can change in the future, so it would improve nothing IMO to remove it and have less options with active key only.
But autoencrypt all memes would be IMO a benefit. So if someone transfers funds to some place and use the active key for memo, it will not have instant negative results. It can be changed if the receiver is not faster.
Would save some funds from newcomer IMO.
I had the same idea with the withdrawal key in the past and put it into a proposal :D nobody cares, i think it makes hive to complex :)
Can the reason for memo key not being used much be that it may be too complicated to use in combination with active key?
Messages being encrypted by default is interesting. Maybe some kind of toggle in the ui/apps could help. Sometimes there is a need for public messages for transperancy.
default encrypt with the option to the public. Simple change # = public :D