Hi and welcome @cedcardano,
I totally agree with your assessment that native assets are to lose defined for some purposes. Currently centralized marketplaces enforce such logic (like royalties). There is a post about this as well [1]. Users now can circumvent royalties by just sending the native assets to a desired address.
But there is a solution (as you mentioned). Another thing one can do is construct the smart contract logic as desired and upon compiling to plutus core imprint a personal public key type in the script that has to sign for it to be valid. In such a way one can generate addresses which are personal just like Daedalus does. The only thing is that the wallet or the web interface of the Dapp needs to make the front end such that these addresses are indexed in the wallets. I know that Mlabs is currently building this for royalties, more applications like weird tokenomics will follow.