True. What most users do is that they work with the terminal as it comes, and as soon as they start needing an API key they go and get it. E.g. I don't trade forex, for me it doesn't make sense to set an Oanda account to get access to this information.
It's hard to improve in this space because we want to keep the terminal free. And exploiting each of the free tiers of these APIs makes that possible at the moment.
Our GamestonkTerminal/GamestonkTerminal2 has a Proof of concept GUI, where it works with a one click start. Although API keys still need to be provided.