let me supplement one more important advantage in favor of the wallet: it is decentralized completely and completely, so that no government or organization can influence it.
yes, this is a huge plus in favor of not only the wallet, but also the fund itself. Security is especially needed where there is a lot of money (in this case, the assets of investors).
I agree. But it seems to me that there should be some other protection besides decentralization. For example, it can be complex passwords, keys, or something like that.