I have no problem with giving eSteem my active key (example)... If I notice that someone has started a power down, I can change the active and posting keys. I don't have much liquid cash in any one account. I was talkikng about the "asking for" an owner key. I use eSteem and they also ask for the owner key (if I remember right) but if you click advanced, you can get on line with the mobile app using posting and active.