Are we confusing the next wave of bitcoin adoption by using legacy financial system terms in Bitcoin? A wallet carries cash, debit and credit cards. A bitcoin hardware wallet controls access to utxo sets. When we call it a wallet no wonder people think that they actually have bitcoin stored on the physical device. In the current system a PIN actually releases the funds from a debit card or credit card, I.e. authorises the transaction. This is more representative of what a hardware wallet does, so a hardware wallet is more of your bitcoin PIN than a wallet...no wonder self custody is so daunting.