Reply to a buddy: You said, "I only have a few thousand USDT, no need for hardware..." Let's see if you can accept losing everything instantly just by dropping your phone. To be honest, if your asset size is small but you care a lot about security, a hardware wallet is enough; once your assets grow and you need to move funds frequently, multi-signature is more like "outsourcing the 'trembling hands' issue to rules," with signatures split up to reduce human error. I'm more conservative about social recovery—no matter how trustworthy friends or family are, there are boundary conditions. When it comes to cross-chain bridges being hacked or oracles acting up, and the whole network is waiting for "confirmation," people are most likely to click the wrong thing. Anyway, I prefer to be slower, with an extra confirmation step, rather than having to write a post-mortem afterward.