it’s literally the same level of complexity for any amount.

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It's literally not the same level of complexity for any amount.

- You don't try to secure 100sat utxos,

- You don't spend more than your stack to buy a signing device,

- You don't use multisig for pocket change

- You don't use hot wallets for retirement funds.

it’s literally the same complexity in that a strong seed can secure 0.00001 bitcoin or 10,000 bitcoin.

everything else is personal responsibility.