A simple backup scheme for wallet accounts

The motivation behind this proposed change is twofold: to potentially enhance the security and efficiency of the encryption process, and to align with the core principles of minimizing dependency on external libraries. The discussion takes place against the backdrop of ongoing efforts to integrate advanced cryptographic functions directly into the core framework without overly complicating the system with additional dependencies. This proposal reflects a broader consideration within the cryptocurrency development community regarding the balance between adopting cutting-edge security practices and maintaining a lean, efficient codebase. The shift towards CHACHA20 is suggested as a strategic move that might offer both technical and operational benefits, possibly providing stronger encryption with fewer computational resources. However, the suggestion also brings to light the pragmatic aspect of software development in the context of Bitcoin, where changes to foundational elements like encryption algorithms must be weighed carefully against the need for stability, compatibility, and minimal reliance on external resources.