There’s an aspect to this discussion which is often overlooked: We’re all going to die one day.
While an individual might quickly learn to secure a seed phrase and use a hardware wallet, what do their heirs do after they drop dead? Solutions like Bitkey help mitigate this.
I think all the smart engineers working on Bitcoin will come up with increasingly innovative ways to hold bitcoin. With all due respect to current products, we are currently in the 1974 Altair 8800 days of bitcoin wallets but quickly approaching a 2007 iPhone launch.