My post was a reply to the response in the quote above.
I have already pointed out the same context in my reply to the quote i answered (in bold). What i meant is that we can't always just blame users on how they use their devices online or offline because it may be the fault of the manufacturers lunching products that can be vulnerable to malwares. This can be one of the main reasons why users may choose to store their savings in online platforms like exchangers or web-wallets because they can ask for refund if any incident occur to that company.
Excuse me for interrupting this discussion man but this doesn't make sense in any way. Wallet manufacturers are not one and are not two, we have different companies manufacturering hardware wallets and some of them has been in this business for long term, only Ledger has been compromised and that was their email logs and nothing related to any wallet been comprised due to malware. You can't get a malware on hardware wallet because your keys are offline, there is no connection when there is no internet.
Online wallets are risky because anything that is online can get infected one way or the other. You can't be 100% too careful when it comes to anything online, you will have to be watching things you do online and how you download somethings. Most of the time, it's better you don't even download anything else you will sit in front of your PC and hear that Bitcoin in your wallet address has been sent to another wallet address and that's final.