Okay, I think I understand it now! The memo key is so it can encrypt the memo (unless it's for any memo encrypted or not), then the Owner (preferably Active) key is so you can actually send the transaction since it is a wallet transaction.
RE: Beginner's Guide For Steemies | Part 2 - Registering and Keys
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Beginner's Guide For Steemies | Part 2 - Registering and Keys