Then again, a "personal wallet" is what ? Downloading and installing a bitcoin client and then taking care of keys and seed words personally - is that something a "normal" (non geeky) person can be bothered to do - or even should be expected to learn ? I doubt it.
And if we speak about a hardware wallet, what's the price of one ? I believe the Ledger Nano S is about 70€ ...
Spending 70€ to mitigate the risk of losing 80€ in a repetition of the MtGox crash from 2014? Not sure it makes that much sense ... :-) But hey, "once burned, twice shy!" :-)