Recently, Layer 2 has started comparing TPS, fees, and subsidies again, which has distracted me a bit... but the more they argue, the more I itch to revisit that "custody method" set. Honestly, where the money is stored and how fast it moves on the chain doesn't matter much; they all hurt the same when things go wrong.

My rough categorization: for small amounts, don’t bother; the cost (mental + operational) of multi-signature / social recovery setups is pretty high; once you reach a medium scale, hardware wallets are very appealing, at least to block low-level accidents like "computer infection + signing errors"; when you really need a good night's sleep, multi-signature is more suitable, directly cutting off the path of "I slip up alone / get emotional." I actually quite like social recovery, especially for people who "don’t want to worry about seed phrases every day," but only if you truly have a reliable "social circle," otherwise it can turn into a social disaster.

My itchy psychological reason is also pretty common: recently, I see too many people focusing all their attention on "which chain is cheaper," and still casually screenshot and store private keys / seed phrases in cloud drives... I can't help but want to revisit that pile of incident cases in the archives, to remind myself not to drop the ball at the most basic level. For now, I’ll do that, and someday I’ll re-test the "error probability" of different schemes.