So you told me that I was making assumptions(When I was stating facts, reread), when you've been making the assumptions that all masternode owners set a password and put their coins in a cold wallet?
Are you trying to troll now? What don't you understand that those things that you intentionally misrepresent as mandatory, are Optional.
P.S. setting up a masternode isn't hard at all, it's literally just a wallet.
This is going behind logic.
Setting up a MN requires some basic understanding of linux/commands lines/vps/ssh/whatever and also, time. Retarded Joe cannot just setup a MN.
Even If you blind-follow , having no idea what you are doing, any tutorial present on the internets on setting up a MN it will make you take some security measure.
Anyway this is a reason why there is a collateral of 1000DRK, it makes you take care of your security otherwise you lose 5000$ at the actual rate.