Do we have a universal wallet that we can use to any bitcoin and alcoins?
We dont have any universal wallet because there are still many altcoins which are not supported by many wallets. But we do have multi asset wallet and they are like COINOMI,TREZOR and EXODUS. Out of these three multi asset wallet i will go to prefer with TREZOR and COINOMI as it is Hd, light weight and very secure. Other than this i dont think there is something available which will solve our problems for storing all coins under one roof. Actually its a tough and complex job to store all coins under one single wallet,which require tons of resources and space to store it and i think its not wise decision to store all the unnecessary coins together with valued one's .
No we dont have a universal wallet because of following reasons:
Many of the altcoins are not supported by a single wallet.
Security issues in many digital wallets.
Storage issues with many wallets.