But is this not we talk about for years?

Not really. I have yet to see anyone talk about UX improvements for new users. All we have been seeing are quality of life improvements for long term users.
Those two things are very different from each other.
Keychain for example is an advanced option we all use but its too advanced for someone coming in with 0 knowledge here. That is an obstacle to them that can lead to losing interest right off the bat if pushed to the forefront. Which is something Peakd for example does do.

Retard friendly log-in.

Exactly.

Maybe a 12/24 word backup key could be the thing. As Owner key.

Id say that we remove all need for keys as a default. Just login through email and password. That way we compete in ease of use with legacy social media that people are familiar with.
Moving them into true Hive account use gradually.
That can be done through custodial services from frontends.

Us, the advanced users should be making "extra clicks" not the person that knows nothing about Hive.

Hive Engine could be a front-end provider for these tokens ( i think there would be much more demand if communities already have a token)

I just dont see any obstacle for doing that right now.