I see both sides of the argument.... currently most exchanges you have to use their wallet... but if your holding... then you want viruses and hackers to not be able to get your keys... but if your in a hardware wallet ... you cannot back it up if its keys are completely locked inside.. if you can get the key then you can also do without it... if it breaks your out of luck... when they get out dated you can just get a new one though... really its about keeping your keys out of reach... a lot of peoples computers are just to vulnerable to loosing them... personally most of my keys I store in my encrypted password manager... with a few offline... if I was going to hold or privately trade a large amount then I'd probably get a hardware wallet or invent one that works they way they should... where I can recover it but only I can... and where if it breaks or gets old im good... and i rarely pull the key off it... let the wallet send the transactions.. but yeah most hardware wallets are a slight bit of a scam
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