Maybe people say that because it's true, but not everyone will agree that it's the safest way. Maybe you should try to find some of the most important features offered by hardware wallets compared to online, desktop or mobile wallets so you would understand the difference. But here are a few positive things that make me use a hardware wallet.

- generating a seed is done via device, and seed is only visible on device screen which is not the case with any desktop or mobile wallet where your seed can be exposed to any malware which is currently present on the device.

- some hardware wallets use secure chip (Ledger devices), which makes a big difference from storing your crypto on a regular USB stick.

- hardware wallets are not only for storing, but making transactions in the safest way possible protecting the user from himself, in the sense that he must check all the parameters of the transaction before sending.

But any way to store cryptocurrencies, no matter how secure, is not resistant to human stupidity - and that includes hardware wallets. People lose their money because they do not know how to use the means at their disposal, but this is a problem that goes beyond this discussion.