[throwawaymath]

What you're saying is precisely why I'm saying it's a usability problem, not a technical one. We have the technology, yes. This company is not that technology. The company we should fund is the one that solves the usability problem, not one which moves the goalposts to a different centralized point of failure.

The ideal solution would look like the ApplePay protocol - there is a PKI and cryptographic authentication, but users (and receiving vendors) never need to know what a digital signature even is. I agree with you that trying to get users to handle their own key management is a complete non-starter.