Do you carry all your wealth around in cash and hand it to the cashier for them to take their part?

Do you only use a hot wallet for all your coin? Do you keep your savings in your checking account?

I'm not the guy you replied to but:

> Do you only use a hot wallet for all your coin?

No.

> Do you keep your savings in your checking account?

Yes! :)

Moving coins manually between a hot and cold wallet is a hassle and what I would consider a significantly worse user experience than what exists today.

Ok, well if your checking account is breached and funds withdrawn you'll be fighting with the bank to get them back while unable to pay your living expenses. It's pretty risky.

Get a second account, even if it's low / no interest, and put the bulk of your money there. That way if your checking account is emptied the attacker only gets your spending money. Don't spend directly from the second account; move money from the "savings" account into checking regularly (monthly by scheduled task if you can't / don't use internet banking, as required if you do). Will also help with budgeting if you have an extra step in making large sums of money available. Not saying you don't / can't budget, just offering experience!

You say that like it isn't fast becoming an option for the wealthy and technologically adept.