I've seen too many stories like this that end tragically. It's why I don't recommend passphrases: they result in a brittle 2-of-2 key architecture.
Disagree.
12/24 with a passphrase is probably the best overall setup for a pleb.
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Lopp is just trying to use fear to sell his products imo
What's that paraphrase getting you? If I have your seed, I can pop your passphrase offline
Not if its actually a strong passphrase lmao. Maybe a weak password