It’s pretty easy to make it hard to move your crypto while you maintain access to all keys involved. It becomes even easier if you use a blockchain that support

It’s pretty easy to make it hard to move your crypto while you maintain access to all keys involved. It becomes even easier if you use a blockchain that supports smart contracts. Something as simple as using a contract to delay any coin transfers with one or more keys that can stop the transfer is trivial to implement. Even simple multi-sig is pretty good assuming you don’t rely on two keys both stored in your phone. For everyday payments, you can use a mobile phone wallet without these protections and worst case you lose a small amount of money if someone takes your phone. It’s just like getting your real wallet stolen and losing cash.