Hot take: Everyone preaching "just use your phone as a wallet" is full of it.

You know they're not actually doing it. Nobody's walking around with their life savings on a device they drop twice a week.

The same people telling you to go full mobile custody are the ones with hardware wallets at home and multisig setups for anything over $1k.

Mobile wallets are fine for small bags and degen plays. But let's stop pretending anyone serious is trusting their phone with real money.