Many of those are but less universal. I wouldn't call USING a checking account something that requires more knowledge though. Understanding how it works, sure, but you're not going to walk into an entropy issue with your checking account.
I've been getting pushback because I've been saying that we do need to put to bed the idea that it's so easy you just need to write 12 words, but all that it's easy enough that it can absolutely scale – it just requires the decision to get some education to avoid catastrophic harm. Things like entropy generation or managing a descriptor for multisig or avoiding address reuse aren't intuitive; they take a decision to learn about them. And choosing not to do so seems to work great until it doesn't (which is often when finger pointing comes out).
But they're also totally within reach for anyone who puts in a modest amount of effort to learn. You don't need to know how to implement a library, but you should know why your private key shouldn't be '4'. Or why using m/4/0/0/1 for your derivation path is a bad idea.
And if you really can't do that then tools like collaborative custody do sort of serve the role of taxis for the ecosystem. For those who don't want the job of driving but who do at least know where they're going. Not my cup of tea but I'm glad they're there for people who just can't or won't take the time and therefore shouldn't be pushed into 'just write 12 words bro' culture.
Cykros
npub1lc…63apw
2026-10-22 12:46:52 UTC
in reply to nevent1q…7388
Author Public Key
npub1lcetwt8hcd9gagdytu4e35ufykxek0elfvx8q3spugmgj9x0ev0q363apwPublished at
2026-10-22 12:46:52 UTCEvent JSON
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"content": "Many of those are but less universal. I wouldn't call USING a checking account something that requires more knowledge though. Understanding how it works, sure, but you're not going to walk into an entropy issue with your checking account.\n\nI've been getting pushback because I've been saying that we do need to put to bed the idea that it's so easy you just need to write 12 words, but all that it's easy enough that it can absolutely scale – it just requires the decision to get some education to avoid catastrophic harm. Things like entropy generation or managing a descriptor for multisig or avoiding address reuse aren't intuitive; they take a decision to learn about them. And choosing not to do so seems to work great until it doesn't (which is often when finger pointing comes out).\n\nBut they're also totally within reach for anyone who puts in a modest amount of effort to learn. You don't need to know how to implement a library, but you should know why your private key shouldn't be '4'. Or why using m/4/0/0/1 for your derivation path is a bad idea.\n\nAnd if you really can't do that then tools like collaborative custody do sort of serve the role of taxis for the ecosystem. For those who don't want the job of driving but who do at least know where they're going. Not my cup of tea but I'm glad they're there for people who just can't or won't take the time and therefore shouldn't be pushed into 'just write 12 words bro' culture.",
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