I'd say don't store huge funds on hot wallets instead, newbies like ignoring fact at first thinking they knew better until they learn the hard way, no other wallet is safer than cold wallets ( hardware wallet ).
Actually cold wallet is encouraging to save a coin with indecencies that the primary functions are no were linked to online, so no body as well can hack your wallet using cold wallet, but saving with hot wallet is of damage indecencies that almost it's informations are been stored online instead of offline, so it can be easily to be track, so, i think from my perspective i agreed with you.