I am now increasingly convinced that security should be chosen based on "asset size + tolerance for trouble"… Last week I pulled out my hardware wallet again, and at first it was really annoying: plugging in cables, confirming, copying the seed phrase, going through the process felt like mental preparation before doing taxes. But honestly, for small amounts, it's fine to keep them in a hot wallet; for amounts where a mistaken transfer would keep me awake at night, a hardware wallet at least can block a bunch of mysterious signatures.

I'm still hesitating on multi-signature setups, more suitable for situations where "not one person makes all the decisions / funds are divided," otherwise you're just tying yourself up… Social recovery actually suits someone like me who often loses their phone and is afraid of seed phrases, but I also worry that the "friends" I find might go offline collectively someday.

In the group chat these days, there's been talk about stablecoin regulation, reserve audits, and rumors of de-pegging. Seeing all this makes me anxious and overwhelmed. My current approach is: first, divide my common assets into three parts—keep some cold, limit some to a certain amount—and do it this way first, rather than waiting for a crisis to learn the lesson.