OK, sounds like we're talking about 2 different things here. Which is fine. :)
I'm trying to explain how things work now, and how best to deal with the status quo: how best to deal with dual kde4/kf5 wallets.
You seem to be primarily criticizing the design of having multiple wallets, and describing what your ideal would be: I single wallet used by all apps.
I don't disagree, but I don't think complaints without design and/or code is going to help anyone either.
-- Rex