The Daily Pain Point: Phishing, seed-phrase leaks, and "approve" scams are inevitable. In the current Web3 model, the "Signer" is the "Owner." This is a fatal design flaw. ​The Easy Fix: Decoupling Signature from Ownership By using a Smart Contract Wallet (SCW) backed by a Post-Quantum Merkle Tree, we create a hierarchy of power: ​The Disposable Signer: This is your daily mobile/browser key. It’s for convenience. If it’s compromised, it’s annoying, but not fatal. ​The Merkle Root (The Anchor): Inside the smart contract, you store a Merkle Root of a PQ-key set. ​The Recovery Path: To a scammer, your wallet looks like any other. But when they try to drain it, your SCW logic can trigger a challenge.​The "Undo" Button: Because Merkle-based PQ signatures are fundamentally different math than standard ECDSA, you can provide a "proof" from your offline PQ-set to the contract. The contract sees this "Higher Power" proof, voids the scammer’s access, and rotates to a new daily key. ​The Bottom Line: We stop trying to make humans "un-scammable" and start making the math "un-stealable." The money stays safe because the identity is anchored in a Merkle tree that the scammer can’t touch.