> the average american, even educated and talented ones, have absolutely no serious understanding what keypairs are, or why they need to take care of them You'

> the average american, even educated and talented ones, have absolutely no serious understanding what keypairs are, or why they need to take care of them You're right. Since a few others have said as much, I was sketching an outline and not suggesting handing people literal RSA keypairs. Any practical, _usable_ solution would involve a physical card, mobile app, web app, etc.