I'll try again ..

First, I don't pretend to understand the 'technical' aspects of crypto at all ..

I do know that all the wallet security features are exclusively
focused on foiling access to one's wallet ..

Judging by the number of threads on this board that deal with "theft
of coins" .. foiling access is clearly not enough .. There must be some
additional security feature/procedure etc etc in order to authorize a withdrawal ..

That's all ..

The average user has got to feel that the wallet ( hot or cold ) is secure and utilitarian ..
It's got to be as intuitive as online banking and online trading ..

Just sayin ..

Triff ..