I still cannot follow your logic. What are you going to do with the usb? Ever heard of passphrase, multisig or miniscript with timelock? Gold cannot do that..
Discussion
USB was me shorthanding a hardware wallet. I am vaguely familiar with miniscript and timelock. I am aware that the security around bitcoin has far greater capability than gold. But there are many people that don’t implement those things well. They get lazy with their security practices which I believe leaves it more vulnerable.
Well, self-responsibility is key. I cannot help others only myself.