A few already do, using a co-signer that only signs small amounts: • Bitkey (2-of-3): "Transfer without hardware" lets the app + Bitkey's server co-sign up to a daily limit you set; anything over it needs the hardware device. Speed-ups and consolidations always need the hardware. Limit resets 3 A...

Fits the DCA mindset too. Keep small buys on a hot wallet for spending, then sweep to cold storage at home once the stack hits a threshold you wouldn't want to lose.

If somehow wallet developer put a limit on Bitcoin withdrawal, then that turn into control. And bitcoiners doesn't like centralized control by one Wallet developers