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> Keep them too well, lose your money; keep them not well enough, someone can steal your money. It's a thin line to walk.

Nah, not really.

Unsophisticated users tend to keep their crypto on the bigger exchanges, which means someone else manages their keys.

Sophisticated users tend to use (cheap) hardware wallets or at least understand paper backups of keys and passphrases.

How-tos and warnings are exchanged ad nauseam on crypto Twitter and crypto blogs.

I imagine Keybase would have moved this forward about as far as they've moved forward GPG / PKI for the general user. (Not much)

This is mostly Stellar trying to gain some marketshare since they haven't made much progress elsewhere.