not backing up your shit
backing up your shit and storing the backup improperly (or in the open or near flames)
not secure enough pin
not keeping your btc secret
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Not keeping your seed secret (hint split 2 copies of the seed into 3rds and store 2 different 3rds in each of 3 locations)
And don't tell anyone, not your wife, not your boyfriend, not your siblings.... No one!
So what happens when you die and your total networth is lost on the blockchain?
You could have a dead man switch where private keys are only released upon death