People who don't use hardware wallets: Why not?
I'm not willing to pay a centralized company to give me what I don't need and is only semi-cold storage.
Just purely out of curiosity. 99% of people who don't know how to properly create an airgapped device should be using hardware wallets.
In my opinion it depends on how much they've invested in bitcoin. For example someone who has bought a couple of hundred dollars worth of bitcoin is never going to pay for a hardware wallet. It makes more sense for those who have large amounts of bitcoin.
Another thing to consider is how many times you are going to want to access your funds. A paper wallet is more suitable for "storage" that you don't want to touch while a hardware wallet is more suitable for those who want to regularly access the funds.