The idea behind a physical is so things are more secure or safe from possible hackers which I can understand the thinking behind it all over idea if your phone or computer gets hacked then you could lose all the money in theory which is fair point to consider but consider this as well if you lose your wallet you could have lost $100,000 in one day and never get it back plenty of people have a lot of money from wallet or storage of say bitcoin or another crypto so it does happen.
Lets take it to the extreme you get hacked today and you, in theory, lose $10,000 you can contact your crypto buying system which many of them will help you meaning that alone could solve a possible security issue that may happen to you or you could pay pro hacker to get it back for you say you lost $100,000 then you pay the hacker like $2000 to get it back you for that alone could get the money back and even losing $2000 is not much out of $100,000 profit to me overall . https://www.epintoken.com/2022/11/chinese-scammers.html
Physical wallets can be lost or stolen so if that happens by someone who understands crypto well enough then steal all your money and probably no way to get the money back I have never heard of anyone who this happened to ever get the money back so be aware it's not as secure or cool as people think and a lot of people have messy homes or office meaning you could lose it. https://www.buyseoservices.ooo/
You can't lose a bank but you can lose your Physical wallet very easily and I am sure some of my readers will have lost a wallet like a did once myself before.