i think at this point it’s clear that the new mental model for best UX is 1 app = 1 wallet

identity can be moved via connecting other addresses, but for login, signing and all middleware stuff there needs to be an embedded account

I've been building apps like this for awhile now, it onboards users quickly, gets them everything they need to do to crypto (need gas money), but assets become fragmented and lost quickly.  Users will want to bring a wallet at a certain point.

Most ecosystems that have had this UX are trying to unify wallets now.