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Split your holdings into 20 portions. Invest in a range of high quality currencies and for each holding have several portions each secured with a different method. Eg. have some on a hardware wallet, some with multisig paper wallets, some buried somewhere, some with family. Generally you won't lose any. If you do lose any you are pretty well hedged.

Pretty well hedged? Is that supposed to be easy for the average person? This just one of the many reasons Bitcoin isn't taken seriously for widespread adoption.

I think in the future instead of having a accountant/lawyer assisting with private/offshore banking, you will have a crypto security consultant showing you the best way to secure your own funds.

I think you're drinking a little too much from the kool-aid faucet. You're still going to need an accountant and lawyer, because you do live in the real, physical world.

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