[fragmede]

The idea that I have to not lose a private key file to access my own money is terrifying, and on top of that, if someone else gains access to that file, they will steal my money is just a horror show on top of that. I also worked at a FinTech for a few years but it's not relevant. What is relevant is how much you trust your own opsec and the level of organization you have for your own files. I can believe that some people find self-custodial ownership of significant amounts of crypto reassuring, but I do not.

[robocat]

xtracto doesn't understand security. An individual with crypto must not advertise that they have any or they will be spear targeted (up to and including lead-pipe analysis by distributed anonymous resources). https://archive.ph/PJTZP

Internet anonymity might be a temporary defence, until AI doxing analysis improves or one's government decides to change their rules (good luck securing against that).

I don't have any crypto: firstly because I lack the opsec skills. Also because I travel to other countries, and the best defense is to actually not have anything worth being stolen (or limited financial exposure e.g. my physical wallet was stolen last time I was in Brazil).

People immensely more skilled than I will ever be, still have security failures (e.g. Troy Hunt fell for a phishing attack recently).