I set a pretty simple rule for myself: before my assets reach a certain amount, a hardware wallet is just a psychological comfort tax. Not that it's unimportant, but I've seen too many people buy a Ledger and then store their seed phrase in iCloud—what's the difference between that and leaving it on an exchange...

Right now, I'm using a 2/3 multi-sig, with two hot wallets and one offline device—it's enough for me. Social recovery? To be honest, I've looked into those solutions. The setup where friends act as guardians—when something really goes wrong, would you even dare to call them? Social death is worse than losing money.

The NFT royalty debate is heating up—creators are crying out for support, platforms are playing dead, and buyers think they can just bypass it on-chain anyway. In short, everyone is just looking out for their own interests, and nobody really cares about what "sustainable" means. I'll keep things as they are for now. When the day comes that my on-chain assets are enough to keep me up at night, then I'll upgrade my gear.