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Most users will still use a wallet built by someone else.
They HAVE TO because you can't possibly secure a wallet software by yourself (or any software fwiw). You need multiple people and no, AI don't know anything. I have coded for over 30 years and every pull request I propose that gets no comments or "lgtm" means no mf has been willing to spend time on it and will be full of bugs.
So please, don't DIY; contribute. Find a software that solves a problem and that you use daily. Start reviewing the code. Ask questions. You'll get better results with less time spent.