Keychain does make the whole Hive experience easier. Humans should not have to deal directly with keys, but they need to be aware how important it is to keep them secure. They need a backup. Being able to do it all on mobile is essential.
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I agree, but it shouldn't be made a hurdle for account creation in the first place.
An app could always, for example, prompt people to create a backup after first 1-2 days of use. Or after there is a certain value built up on the account.