So I have a cryptofriend if thats a thing because we talk about all coins mostly bitcoin. So he is having most of his holding with Mogo a custodial services which is not an exchange but like Gold/Silver Etf. Also he has some on exchange. So I mentioned about hot wallets and hardware wallets. He is using hot wallet now and plans to hold coins for 5- 10 years. When I mentioned if Mogo is insured he was shocked and wants to buy ledger asap but still hesitant to do so. So am asking this on reddit about your opinions which we will read in the morning and I hope he was able to make decision guided by whole community
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