If there is a next generation crypto wallet, what are the top 3 things you would expect from it?

For me, the top 3 things by importance order, are as follows:

1. Banking level security
   1.1. I don't have to worry about managing or losing private key / seed phrase
   1.2. In the worst case where someone hacked my wallet, MFA would kick in to protect my assets from being drained
   1.3. I can get warnings about scammers and suspicious recipients pre-transaction
   1.4. Hopefully I can get insurance cover for my assets
2. Easy onboarding
   I don't need to write down private key / seed phrase, just use my Google / Twitter / Email / Phone to log in, that is it.
3. UI/UX
   Current crypto wallets look exotic compared to our day to day finance apps.