I won't trust myself with this personalized encryption. If I forgot as simple as a 4-digit PIN or a repeatedly used password, how much more a 24-word seed phrase arranged in a puzzle-like manner? That would be too risky for me. And I don't think that's recommendable to the majority of users.

Moreover, in case of death, amnesia, accident that makes you unconscious for the rest of your life, or whatever extreme yet real-life possibilities, will there be anybody else who's able to unlock that encryption? Or will the coins perish with you?