What about security / hacking threats?

Say I have precious metal in safes at some banks, good luck to steal it from me overnight. Now imagine people get a digital wallet on their smartphone. It's now easier to rob them of their lifetime savings, in the stealthiest manner ever. Surely easier than to mine the asteroid next door. Software bugs, hardware backdoors, social engineering, or just not understanding how it works... even the most tech savvy is at risk.