Recently, the L2s have been bickering about TPS, fees, and subsidies again—it’s pretty lively, but at the end of the day, the real issue is where you place your assets and how you might lose them… I’ve been through countless contracts; what I fear most isn’t just slow chains—it’s that once permissions are opened wide, if one key goes missing, everything goes with it.

For small, everyday use, a hardware wallet is a simple and worry-free choice: the signing happens inside the device—just don’t dump your seed phrase into a cloud drive. When your assets grow to the level of “if I lose them, I won’t be able to sleep,” I lean toward multi-signature, even something like 2/3—at least your funds won’t instantly go to zero just because your phone gets stolen (of course, multi-signature also needs to be implemented carefully; I’ve seen upgrades where permissions were written too loosely). For even higher levels, social recovery is suitable for people who worry about shaky hands or poor memory, but the “friends/guardians” part has to be thought through first: can you really gather enough people, and will they not get caught off guard and fall into a trap during coordination? In any case, don’t follow the trend and copy templates—figure it out based on your own size and your daily habits.