Backing up and storing seed phrases is a tricky task. It’s a pity how little resources dapps invest on multiparty wallet ownership and multi factor authentication. It’s true that it’s not that easy to implement these P2P or on chain but that doesn’t mean the tech couldn’t evolve if they were a little hungry for easy and quick short term gains.
RE: SparkCat can steal your crypto by scanning your photos in the cloud! Beware!