"It's never too late" applies to long-term holders, but you'd think again if you were an active trader. Regardless, a bear market is the best time to restart trading by accumulating on several support lines.


If you store your assets in Trezor, that means you are not an active trader. Your only problem is that you lost your hard wallet. I don't know how that happens but you have to prepare something so similar events can be handled like extracting private keys or seeds separately in a "safe" place (offline).