Now that I read your post, I just wondered, can't our Hive account be linked to a cold wallet to approve hive, hbd or hive power transactions? Kind of like how it works with metamask and ledger or trezor wallets.
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Yes @engrave has been hard at work setting up hive on ledger, go check them out. :)
It is possible with Ledger, here's the instruction: https://peakd.com/engrave/@engrave/how-to-create-cold-storage-wallet-with-ledger-nano-and-earn-20-hbd-stable-coin-interest