This gets a lot of people out of Bitcoin, because all of sudden, they become fully responsible for their own money.
That's the principle idea behind Bitcoin and without it, there is no reason for it to exist. So if that discourages some people from getting into bitcoin, that's a good thing.
Your idea is adding complications and is relying on other layers that are not part of the Bitcoin protocol itself which makes it not-work.
Additionally what you are dealing with is lacking uniqueness and reliable identifiability. For example in Bitcoin when you have a key, that key is unique and can not be produced by anybody else. Others cannot produce a signature from your key without having your key.
But when it comes to something like IP address, many users don't have a unique IP since their ISPs give them dynamic IP. Secondly unlike a private key, that IP address can be spoofed and a malicious actor can pretend to be someone else!