If we apply it in crypto, we know that data in a hard wallet is important to access our holdings, so if the hard wallet is destroyed due to fire or food, that means we also lose our funds.
The device itself is just a means to get to your crypto. It's not that important. It's the seed backup that is the main worry. One piece of software or hardware can easily be exchanged for something similar but the lost seed words are irreplaceable (if no other backups exist).
So, how would you resist a $5 wrench attack? Willpower?
Completely removing the ability to give thieves a part of your bitcoin holdings isn't the smartest way to go about it. Would you rather die and have parts of your body chopped off, or give the thieves an already prepared amount of BTC that isn't passphrase-protected? You are not going to have much pleasure with your bitcoin if you are blind or deaf from the beating you took. Not to mention the guilt that could be eating at you if something happened to your family members because you didn't have what the robbers wanted.
Most of the things we worry about 99 percent of the times don't happen, OP and everyone else should take the necessary precautions of securing their bitcoin rather than worrying about getting beaten up by thieves. It's a weird thought and could lead to unnecessary panic even when nobody has the intention of attacking us. Separating his bitcoin in different locations can help in situations like emergency, offering his loved ones help when on vacation or traveled for something else they can be instructed to access the little amount of bitcoin kept in the room to solve a money related problem till he is back. Things like that can help ease the mind instead of worrying about fire and floods.