This is what stresses me out the most about crypto. The supposed gold standard is a hardware wallet and access is done via 12-word recovery phrase but even that is sketchy. If I'm not wrong all an attack has to do is get recovery phrase and load it into another hardware wallet if they don't have mine, this is functionality is there if the hardware wallet fails. If I've been doxxed and have several mil in crypto, thieves can break into my house steal and crack my safe or hold me at knifepoint and ask me to open it.
I'd want to keep it on in encrypted file but even that is sketchy if I have to have in on multiple clouds.
I'd want to keep it on in encrypted file but even that is sketchy if I have to have in on multiple clouds.