I want software not hardware because then I'd have to carry it around, my phone is already my hardware device. We also don't want to pay for software, we want it free, What you could do is take a fee from the transactions if you want to make money. That is the future.
Discussion
Phones keep getting hacked all the time. In general, there is physical separation whenever a less trusted system has to interact with keys, like HSMs, or airgapped systems.
I don't understand what you mean by phones getting hacked. I've never met anyone that's had their phone hacked.
I don't think hardware wallets are that popular at this moment because we can't pay directly with Bitcoin. Maybe store accept lighting everywhere we can carry around a hardware wallet and load lighting onto it before we head out the door.