If you don’t hold it, it’s not yours, and you don’t own it. That’s why we only rely on a small portion of our portfolio to be in financial institutions working with electronic fiat currencies.
I’ve invested heavily in metals over the years, and my rates of return are solid enough to not have to go get a day job, allowing me to retire, and be retired at age 43. (Marrying a hot rich chick helped a little bit too)