I don't think that covers the full extent of it. In addition to opsec and "daily usage" there is a dimension of physical safety that requires people to keep th

I don't think that covers the full extent of it. In addition to opsec and "daily usage" there is a dimension of physical safety that requires people to keep the wallet and the seed safe in different places. In the worst case of a fire or a flood you don't want to discover that all your life savings are gone as well because you stored them together. Physical security of valuable, small and fragile items is a proven hard problem for regular people. It's one of the reasons banks were created.