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HWW and cold storage however are an absolute must where savings are concerned

What's the advantage over paper wallets for normies?

for normies? ease of use. I can't see any normie using a paper wallet to spend btc properly. and spending will happen eventually even with savings.

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I can't see any normie using a paper wallet to spend btc properly.

What do you understand under "cold storage". For me, definitely not spending.

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cold storage is a wallet whose keys / signing device is never online. as opposed to a hot wallet.

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