Awesome profile pic, first of all 🤙

The pocket change analogy was in reference to custodial solutions, not self-custodial mobile. Phoenix etc. are like the debit card/checking account - someone hacks the details and they can spend it all.

As for the hardware wallets, I feel like every device has trade-offs. Even if you’re doing an offline dice roll + seed signer, you’re trusting the stock parts. I do get what you mean re: Jade. Although, also, I hear not-infrequent reports of the spin wheel not working, which is its own downside, as opposed to theoretical and highly unlikely secure element compromises…

I love the Bitbox tbh. I have no problem saving a MicroSD backup as long as it’s protected as carefully as a stamped steel plate (and doesn’t replace the steel backup, either).