you need to consider the EV of spending all of this time securing ur bitcoins vs their actual value.
if u only have 5 bitcoins, who cares about all of this security?
+1
I don´t think this is for people who is just trying bitcoin with 1 or 2 coins.
But as any other kind of money the system itself should provide the security, otherwise the "normal" people won´t use it as have been said already.