What's the point in trying to take the word "wallet" back in this way? It's been used for custodial wallets for so long by now, that the chances of you ever having success with this language change are pretty much zero. Apple Wallet, Google Wallet, whatever other "wallet", all the things you use those with are custodial accounts.

We can agree on us as developers calling custodial wallets "accounts" instead, but if you just call something a "wallet", you will have to specify if it's a key chain or not. Do you have a better term to propose for making that distinction clear?