I don't disagree with you at all. That's why it's the future, not the present. I started buying Bitcoins when there were no hardware wallets, and I know many pe

I don't disagree with you at all. That's why it's the future, not the present. I started buying Bitcoins when there were no hardware wallets, and I know many people who lost them in different ways (me too). Building up a debit based system when our current financial system is credit based is super hard and risky for the early investors. You can just wait until most bugs get fixed and these features get implemented in the next 10 years. You'll have less upside potential, but another mature system to choose from.