I think this needs to happen at the core protocol level. I don't see the friction being removed with the account creation transactions which we have available now. The current model requires you to be in communication with an account creation service at the point of creating an account, and that's what creates the friction in the process.
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Would require some form of centralised system to create and safely store the keys until users are ready to get them...sort of like the splinterlands process? I wonder if they could be done on a decentralised storage system that can auto recover their accounts when they're ready to get the keys.
No, there is absolutely no need for that. Keys can be created in-app on sign up.