I think the likelihood of being hacked is far greater than the likelihood of being skimmed.
Really? Chances are you’re part of $recent_hack at $large_co which is a feature of the current system and not a feature in crypto.
Why not? You just bought a car and paid by sending $XX to $COMPANY. But why are they still waiting for it to settle? OOPS! They were hacked and you actually ended up sending that to North Korea. You think they're going to still give you the car?
Still super early days and there are some services that are starting to offer some services for custody or key storage in case safe keeping like Casa and whatnot. Just give it time. There are positive knock on effects to reducing credit fraud and charge backs.