Its especially problematic when the default hotkeys are poorly thought out, like ctrl+tab, where tab is commonplace for inventory, while ctrl for hold to crouch in a large number of games, so trying to use tab while crouching in-game opens up the overlay and completely messes up the in-game controls. Why would anyone want to change hotkeys individually for every single game they own?
Let us set the default hotkeys for all existing and future games we add, please.
Yes you can do that right now is you like:

Please let me know if this is what you meant...