So I'm in the process of starting a new service, but want to make sure I build the foundation correctly from the start. When customers deposit to their user account on my service, I need to understand whether I should be using one giant wallet with a new address for every customer and assign that address in the database against their user, or if I should generate a new wallet (with, presumably, new seeds) on signup for every customer, so each customer has their own unique wallet. What is the best course of action here? One thing to be aware of is how the backup process will go, and any potential race conditions (say someone generates themselves an address and sends coins, but the server gets wiped out and the backup doesn't have that last 10 seconds of activity, so the address that was generated can't be tied back to the appropriate user).