This is very interesting! If tokens, keys and wallets and so on and so forth are in the back end, then there will be no true ownership of the assets by consumers. I would say a better alternative would be to create apps that make accessing those things possible but that automate managing them as much as possible.
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I forgot to mention a very important point.
The users can have full ownership of their assets if they opt for the ECOMI Secure wallet. The Collect version is made for the masses who are not ready to take custody of their assets yet.