You have to safeguard those keys, otherwise you can lose access to your funds. Plain and simple. I agree with you, never trust your device to store those keys. Always have them written down somewhere safe, very smart move!
!hiqvote
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Yeah, but I hear people making the argument that the chain should be simpler and they cannot do with all that keys. They forget that security of their account is paramount and more important than any freedom there is to have. I have mine written and I did that even more than 4 years ago.