This is true for well off investors. But in a country with inflation and government coercion, The best HODL is a brain-wallet that pay you passive income for HODL. SmartCash Brain-wallet is a good example.
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You can use Neo with ledger and still earn gas I don't think you need to be particularly wealthy to want to use this as it's about $100 to buy and can give you real peace of mind and even if your not wealthy now the way these things are incrementing that could change very soon