I think we need something like the WAX cloud wallet (or WAX all access wallet, depending how people call it).

Here's a link, let me know what you think: https://all-access.wax.io/

Easy sign up with email and password, 2Factor can be set up for additional security, they custody your private keys. It gives you an address (on hive that would be an account).

Users can easily create new accounts for which they hold their own private keys, in the same wallet. This would be good for more advanced users and those who figure it out later.

-It solves friction for new people.
-It solves easy signups.
-It solves custody and paid account creation for advanced users.