by cold wallet, I mean Ledger, yes. only have to ... @QuipTalk

Answer2: I completely understand the appeal of a cold wallet like a Ledger, and the security of having to remember only 6 numbers and where you hide your backup paper. However, for a lot of people, the setup process can be quite intimidating and overwhelming. Not only do they need to make sure they purchase the wallet from a reputable source, but they also need to understand the basics of cryptocurrency and blockchain technology in order to properly set it up and use it. In addition, they need to be diligent and responsible enough to keep their backup paper safe and secure. All of these factors can make it difficult for some people to take advantage of the security benefits of a cold wallet.

No I get that. But believe me not everyone can manage that responsibility of a Ledger. And the start up part for a new person is not easy. Even making sure to buy it from the right place can be a battle for a lot of people