As for multi-chain wallets, the biggest fear isn't losing money, but things scattered everywhere and being unable to tell them apart: A chain has a little dust, B chain has a few receipts, C chain still has an unclaimed airdrop... I now divide it into three layers: the main wallet only holds protocols that are "like cash flow," those you can understand how to earn from; small wallets are dedicated to testing new L1/L2 incentives, since during the TVL boost everyone was complaining about "mining and selling," I just see it as paying tuition, and don’t get carried away even if I make a profit; fragmented wallets are consolidated periodically, and small change is moved back to the main chain to prevent compound interest from being eaten up by bridge fees. There's also a rough method: keep only one frequently used address per chain, and treat the others as cold storage, reducing mental burden. As for you saying "just put everything in one wallet"... I wish I could do that too, but I really can't, so for now, this is the way.