Well it's quite unclear.... I don't understand why anyones surprised. Why do you need a memo key? Why are you told to keep your private keys safe but not told explicitly what keys you definitely want to immediately note down and never show anyone ever again unless you have to,

OH and it would really solve so many problems if there was a 2 factor authorisation. How hard can it be if so many others have it? I think someone needs to remind the devs that it's meant to be a platform for people that are used to facebook and reddit not nerdy crypto complexities that they have to pay attention to.