We can learn everyday which is true but some people aren't learning right away because some people might be slower when it comes to how fast a person can learn. Anyway, back to the seed phrase where 24 words is much safer but still it is possible to lose money if ever a person is able to know the words then he/she will be able to take it out of the wallet. Losing money is not all about brute force but scammer find a way to steal your wallet seed phrase. It is all up to the owner to keep the wallet safe.