Assume you accept risk of hot wallets and loss of your fund in hot wallets, it is still important to store only small part of your capital in a hot wallet that is portable around with many risk like phone loss, steal, physical attacks on you, and more.
Hot wallets should never be your main wallet.
The problem is this is common use by lots of people now since they feel more convenient for using it especially if they used it for each transactions they made everyday. If the case that they are using those digital wallets around much better for people that they are aware on any potential risk that can cause money loss for them so that they would be aware on how to make their wallets and balance safe for any potential scam or other risk you mentioned.
But if they are a holder more better for them not to make use this digital wallets since we really know how risk is high especially if they don't check much their funds and just want to buy then leave their balance unto their wallets. Use hardware wallets for this or any other that they can posses their private keys to avoid getting any much bigger issues.