most wallets connect their users via xpub to the wallet node, you are being disingenuous about that

you keep proving my point
Did you download it and not use it lol 😂 

why do you think users are so dumb? 

Yes they toggle the switch and samourai encourages it. Should people in the developing world not be able to use the backend if they don’t have access to a node? 

my teenager was able to built his own dojo with no experience to back his wallet

yes, over 85% of current users run their own node