However, I still don't agree that we have to separate funds and store part of them in phones. It's too risky, because there is another reason that we might more easily to lose our phones than computers or laptops.
Mate. Like I said, you only store a small amount of coins on your mobile wallet, if you actually spend your bitcoin quite frequently. That way, if you ever lose your funds to some hacker, it wouldn't matter that much because it's only a small amount.
You might be surprised, but I personally know a few people that actually spends their bitcoin or use them for transactions frequently(both online or in person) hence they need easy access to the coins especially when they're not home. Not every single one of the total bitcoin owners are 100% holders.
