I assume you're familiar with ledger stax? I have a pack of tangem cards, but haven't used them.
The thing is, don't most reasonable exchanges offer the things you are asking for? I don't find exchanges any worse than using an online trading account (which it is more than a bank). In fact, I think exchanges are usually providing better security than banks/trading platforms I've seen.
Are most people going to have so much crypto that it makes sense to store it themselves rather than have an exchange do it?
The thing is, don't most reasonable exchanges offer the things you are asking for? I don't find exchanges any worse than using an online trading account (which it is more than a bank). In fact, I think exchanges are usually providing better security than banks/trading platforms I've seen.
Are most people going to have so much crypto that it makes sense to store it themselves rather than have an exchange do it?