At some point we need to give up on "everyone can run their home security better than the CIA room Tom Cruise abseiled into".
If every time I wanted to pay for a coffee I was risking losing all my savings, then I (and millions of others) would go back to cash
I am not sure where that leaves us for "digital native cash". Perhaps phones and secure enclaves will save us, perhaps we just have to pay the Visa tax.