Well I'm a bit late on the questions but here is my suggestion: For the really secure wallet you program two (or more) cards with the same key in case one of t

Well I'm a bit late on the questions but here is my suggestion: For the really secure wallet you program two (or more) cards with the same key in case one of them is lost or craps itself (then throw away the private key). They are protected by a PIN code so they brick themselves after 3 subsequent wrong tries. If you lose one of the cards then you get two new cards, program them with identical private keys (clearly it is different than the previous one) then transfer all of your money to the new wallet. It's really hard to be your own bank, but it is possible. The beauty of bitcoin that you don't have to trust any third party, but it's really hard manage properly. I would be surprised if anybody used this scheme, I don't have any bitcoins either. If I jump into the bitcoin business I'm sure I will adopt this scheme.