Recently, the fee rates have become extremely volatile again, and the group is arguing whether to reverse the trend or continue to inflate the bubble. I instead pulled out the table of "Asset Size—Tolerance Rate": for amounts in the thousands to around twenty thousand dollars, hardware wallets are sufficient, don't make yourself look like you're running a bank; for larger amounts, where a small mistake can cause heartache, I prefer multi-signature, at least not relying on a single private key to determine your fate; when it really reaches the stage of "people losing their phones / forgetting seed phrases / family members needing to take over," social recovery becomes valuable—troublesome but life-saving. Frankly, security isn't about making things more complicated; it's about whether you can smoothly get your money back when something goes wrong.