Recently, fee rates have become extreme again, with heated debates in the community about whether to reverse the trend or continue inflating the bubble. I instead took another look at my wallet structure... The more the market is noisy, the easier it is to get flustered and forget about security.

To put it simply: if your assets are still small and you transfer frequently, a hardware wallet is enough—at least take the private keys out of your computer or phone; when the amount reaches the point of “losing it would really keep you awake,” multi-signature is more reassuring, especially don’t stack all signatures on the same device; as for social recovery, I’d place it in the middle ground of “worried about losing it, but not enough energy to maintain multi-signature,” but only if you truly trust the recovery person and their permissions, otherwise it’s just replacing risk with a different name.

If you can only keep one habit: always check the permissions/authorizations before making a transfer to see if anything extra has been added.