The account creation I agree is still a pain even though I have been on Hive for over 5 years and still struggle to create accounts for newbies, it is, in fact, a moment I dislike when I have to help in creating a Hive account.
Let's get the account creation as simple as possible.
As for the keys, I like the idea you proposed, the keys can be overwhelming but the security side of it can't be overlooked.
New users dont need the keys. They dont understand them nor is there anything to secure on an empty account.
If they want a Hive account right away, theres already a way to get it.