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I personally have no interest in storing my money in a cold wallet type thing. Too unlucky, clumsy, etc to trust myself with it.
A savings account at a bank is quite simple today. I'd hope to see this user experience transfer to the bitcoin world too.
The absolute worst way to store your Bitcoin: giving them to some one else to do it for you.
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One need not choose between just "footshooter" and "giving your money to someone else". There are more than just two options.
Thinking creatively is not against the bitcoin ethos.
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