Maybe some people won't like it, but a hardware wallet (not even the best one) is not an absolute solution for safe storage of our coins (private keys) if we don't use that same hardware wallet the way we should.

I will ask a simple question - is someone's Bitcoin safer on a centralized exchange if we take into account that the person knows what phishing is and keeps his access data offline, or is someone's Bitcoin safer if he has a hardware wallet whose backup is saved to e-mail, in the cloud or as plain text on a computer?