This analogy misses the entire system keeping house keys manageable. If you lose your keys, a locksmith can help you regain access cheaply and quickly because there’s an entire legal system allowing you to prove that you are the legitimate owner. The system you describe for crypto keys is not only significantly harder to use but also lacks that cushioned landing if any part of that fails. Any teenager with poor impulse control can toss a brick through the window and gain access to my house, maybe even grab the spare keys, but they couldn’t occupy it for very long or transfer it to a new owner, which is a significant risk mitigation compared to those crypto keys even before you consider how many more attackers you have to worry about online – there’s no real-world analog to some guy phishing someone on the other side of the planet to post ads or make fake reviews, secure in the knowledge that their local police don’t care.