I think those are some valid suggestions. I think I have only used my memo key once and then I never touched it ever again. In fact, I had to go look for my memo key since I didn't need to use it. I haven't used it ever since that one time.

As for the private withdraw key, I think it might be confusing to people. HIVE keys are already confusing towards the general user and I am not sure about making it more complicated. I do agree that it would be more secure though.

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