I find it odd that you make assumptions of things like all masternode users using cold wallets instead of hot wallets, and that all masternode owners encrypt their wallets. My acquaintances that even use Bitcoin, do not encrypt or set a password for their wallets.
If you're going to say things that are optional and misrepresent them as fact, then there's no point responding to you.
Dude are you absolutely fucking serious?
You think someone is going to learn how to set up a masternode, put 1,000 DASH in a hot wallet on it and leave it unencrypted with no backups?