I am in agreement with you when it comes to mnemonics, yes, it is a responsibility... but so are many other comparable things in life, people who join BSV tend to learn very quickly the advantages of being their own bank, specially when larger amounts are involved.
I also agree shared responsibility may be useful for new users, but this can change very quickly as they gain knowledge, as I mentioned above.
Unless the terms are favourable, users may also start looking elsewhere for better solutions... that is a concern, as an exodus may not be good for anyone.
I am in agreement with you when it comes to mnemonics, yes, it is a responsibility... but so are many other comparable things in life, people who join BSV tend to learn very quickly the advantages of being their own bank, specially when larger amounts are involved.
I also agree shared responsibility may be useful for new users, but this can change very quickly as they gain knowledge, as I mentioned above.
Unless the terms are favourable, users may also start looking elsewhere for better solutions... that is a concern, as an exodus may not be good for anyone.