If people store monies at home, robberies will grow. There are even bank armed robberies, home break-ins are a walk in the park for thieves.
If you have multiple wallets, you have multiple keys to manage.
You need banks. Hardware wallets and seeds phrases don’t work for most people.
Split and distribute geographically, if it's worth the effort.
[1] https://bitcoin.stackexchange.com/a/98423
[2] https://en.bitcoin.it/wiki/Seed_phrase#Two-factor_seed_phras...
Unscrew and hide behind a doorknob or a light switch, the inside of a clock, the bottom of a dresser, inside the wall trim, the leg of a couch, etc.
Then add controls on the wallet itself - only x can be withdrawn every 24 hours, and m out of n recovery methods (your trusted friends and family, a service which validated your email/ phone number, a pass phrase, an in-person office which validates your id and passport for a fee, etc), and you can be as secure as any bank.