Good, it should be all of ours biggest concern. Ultimately, we're responsible for our own money, and that doesn't come lightly. I'm going to sound like a broken record, but this is the classical problem of balancing security, and convenience. If you have it too convenient you're likely making it easier to attack. If you don't have much convenience you'll likely forget or lose access to your Bitcoin.

This is why you see people put passwords on their routers, but keep the password in plain text next to their computer. This is why you see organisations invest thousands into safes to store data, yet they keep the door propped open via some boxes. This is a common problem within all industries which require a level of security.

Ultimately, we're all lazy, hence why most people that don't make a conscious effort to implement a good security protocol, end up being very easy to compromise. Hence why most people use very similar passwords. Then, we have people that go over board (I may have been guilty of this, multiple times), and over complicate things, which the trade off isn't worth that extra complexity, since you're effectively either encouraging short cuts because it's so damn inconvenient or you're setting yourself up to forgetting or losing control.

What OP has proposed is flirting the line with over complicating something, that doesn't necessarily need to be too complicated.