thanks for your feedback.

I don't think the private key or seed should go online, but maybe allow it to be distributed to a trusted group of people.

And I don't think there must be an instant recovery for lost keys, it's like you lost you credit card, you may have a short term problem and you are unable to pay. But the fact that you can go back into your bank, is still there. It's not like you lost your whole amount.
I am really talking about the "last resort". And as an independent person, I want to decide to whom I give acces to my keys. And not just an institution, which, then becomes more and more powerful (which might be the insurance industry, if you think of it in the future).

And technology is only useful it it solved problem to people or to the real world. Otherwise there is no value (that's why customer centric design etc. was evolved). And imho this problem is not solved with Bitcoin. And we cannot expect that everyone will manage this by themself, or educate themself in that details as people do who are very much involved with Bitcoin.