I think you have a point, most would probably agree that trying to memorize your seed while keeping your full backups physically is just an added security measure for the user's convenience so that they don't have to travel from point A to point B to get to their original seed. If they've memorized their seed phrase, they can recover it instantly from anywhere, and if they forget it, they can simply access their backups stored in secure locations.
Almost no one likes my idea of memorizing seed phrases.
What's wrong with remembering 12 words?
Everything, if it's the only backup you have. It's a single point of failure and should be avoided.
And when you have physical backups, there are lots of risks involved too, isn't it true? You might lost it or someone might steal it from a physical place but no one can steal it from your brain.
Okay, one slip on an icy road followed by a head injury can change many things but so can change many things when you write down your seeds on paper or on anything else and store somewhere. It only takes someone to find your seeds to steal your coins.
This can be mitigated by multisig setups or extending the seed with one or more passphrases. Each individual component can be stored in different locations.
As I said, physical backups can be stolen or lost. Flood, fire and other disasters are also a huge threat. More storage location (and multisigs also) also means more complexity and increased complexity results in more human errors. Since you are against the idea of memorizing seed phrases, in extending the seed with one or more passphrase, you probably mean a simple and short passphrases, which are vulnerable to brute-force attack and if you plan to add a strong passphrase, then just remember those 12 words and that's all.
We can talk a lot about this subject but one thing is clear, everything has the price. Increased security equals to increased responsibility.
If you plan to tell the location of your seed phrases to someone else, you are putting yourself into grave danger. There is a saying: If more than one person knows a secret, it is no longer a secret.
That's true for so many other things. Be careful who you let in your life and who you choose to spend it with. Problems and lack of trust between life partners have existed long before Bitcoin and would have continued to exist even if Bitcoin was never created. If you can't trust a person with your other secrets and private life, they shouldn't know about your financials either.
Today things are much worse, especially in younger generation, loyalty almost doesn't exist.
