Can you make neptune-core (daemon) independent of the wallet concept?
Answering literally: yes. There is no technical obstacle.
Then allow neptune-cli to create many wallets (not just one).
Also possible.
I guess the reasons why the daemon and the wallet are merged are:
- We use bitcoin-core as a template moreso than anything else. Whenever we are confused about something, it pays to research and understand why Bitcoin or bitcoin-core makes the choices it does.
- The codebase evolved largely in incremental features rather than up-front intentional design – and I think it could not have happened any other way, because in order to make a good architecture you need to have intimate knowledge of the problems it is supposed to solve, and you only get that intimate knowledge by solving them.
In this particular case I side with Monero and against bitcoin-core. IMHO it is cleaner to separate the daemon and the wallet into separate processes, and once you have that separation in place nothing stops you from plugging in multiple wallets into the daemon.
That said, moving in this direction is a rather sizeable undertaking and probably not on top of the priority list in the foreseeable future.