The Bitcoin model is broken. It very intentionally got rid of all the institutions that regulate and control finance, and in doing so, it got rid of everything that protects regular people from the wolves. The regular people aren't up to the task of protecting themselves, and they regularly show it. The model is broken.
But to the specific point, there is no model that fully takes this into account. There is no model that puts risk to zero. There will always be adversaries that can attack you if the payoff is large enough. There will always be people with increased risk exposure who have to take special precautions because the effort/reward calculus makes sense for malicious people to attack them.
The reason bitcoin sucks is not because its model includes such situations; it sucks because the bar for someone to be the type of person who has to care about such things in bitcoin is so much lower than in traditional banking.
If you don't take up the easy convenient solution to your problem that's on you.
Hopefully this is a starting red flag for the bitcoin Dev team to implement hardware wallet support.
I would assume that if you are a major player in the bitcoin world, you should do complicated things to secure yourself.
Its sort of like if someone wins the lottery, and tells the world they are putting the money under their mattress in their home. Its not unreasonable to say that such a person faces more risk than an ordinary person and should install an alarm system or something.