I think it's the long term storage spot. I leave a few hundred dollars of stuff on Coinbase and take the rest off so that I can play the market a little bit if I want or spend some without needing to be a pain.
I think it's certainly about ease of use. I have yet to make a big purchase with crypto so I am curious if that day comes how I will handle it. Do it out of the cold wallet or transfer it to Coinbase and do it there.
Yeah, there is still a lot of stuff that needs to get worked out before this hits the mainstream. Apps like Hive Keychain make it easy, but Hive is kind of a different beast all together.