This might be totally against the nostr ethos but I feel like many people (non technical folks) need a layer equivalent to a bitcoin exchange. Somewhere that they can log in and use wth a username and password before they are ready to self custody their keys. People crave the familiar.

from experience trying to onboard... - nsec/npub, it scares people. it's psychological. long strings of text and numbers, overwhelms them. the tech savvy will laugh, but it's true. - maybe, there's a way to make it more human readable. npub - nostr address. nsec, a password. that's what they are, but something that makes it familiar to the UX.