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I am a simple man, using simple solutions, that I know how to manage them. Access to my stash will be only one person and that is me. I am not afraid of any of those you mentioned because I know how to avoid those situations.
Yes, not every other user could do that. But complicating things more than is necessary is not the best way.
100% agree. But people should know their own limitations, and that is definitely not the case in the bitcoin space, unfortunately. You might be an expert, but ~80% of people are not and might make a critical mistake sooner or later.
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