It should not be limited. It just need to be clearly explained. The idea is simple, its just not clearly stated anywhere.
Assets go in to Accounts ---> Accounts can hold different Assets.
Accounts go in to Wallets ---> Wallets can hold different Accounts.
Wallets are accessible through the Client ---> A Client can access different Wallets.
A Client can be installed locally or accessed through the web. Wallets must be imported into Clients in order to access Accounts.