Cryptocurrency exchanges have gone bankrupt, wiping away entire balances. Hackers have stole millions in Bitcoin. Although a well-designed cryptocurrency is unhackable and immutable, this does not mean your computer is invulnerable. A hacker can still install a keylogger and steal your exchange password, transmitting all your funds to his account. You would not buy a house or drive a car without insurance. The same should apply for cryptocurrency. In fact, entire fortunes worth more than mansions or Lamborghinis have been lost from improper storage. Do not wait - because the hackers won't.