Yeah once again i believe that regular  people dont have conditions to hold on home a paper wallet with reviver seed for his Trezor device encrypting 100 thousand to half millions dollars bitcoin, because this Will BE the Next price on comming years.
Terrorists, thiefes, robbers, hurricanes, floods, fireing , kidnap, torture, extorsion, governments, authorities...wow so many things average persons cant control....

Well for this Xapo works fine and they give you opportunity to send to a Fiat internal wallet on the currency you wish, if bitcoin prices reach to a point you consider Good . On other wallets you need to send coins to a exchange and this take time..and on crypto time os money..