I find this to be a null argument with the potential future development of smart contract wallets that help secure hot and cold assets and require multiple users to sign off on a transaction for cold assets. You can delegate sign off authority for transactions to multiple other wallets of users that you trust in the real world. That way there are multiple tiers of asset transfer authentication.

For example I wouldn't be able to transfer my house deed NFT without first getting a relative to sign off on the transaction via their wallet as well as maybe my best friend. The beauty of a smart contract wallet is that there can be multiple if/then statements that determine when cold assets are allowed to move, all of which are up to the discretion and preference of the end user.

An alternative solution is altering how we manage assets in general including the suggested Harberger tax from the Book Radical Markets. But I feel that's a deeper dive into more theoretical territory.