my question is what of those that can't afford or don't have the knowledge of this hardware such as ledger 📒 is there any other way they can safe guide and protect their crypto assets apart from hardware wallet? Thanks for your response.
Yes, there are plenty of options where you can stored your fund if you can't afford any of hardwallets to buy, most often people use desktop wallet for cold wallet from a computer that didn't use internet to protect from malwares.
They just send small amount to their mobile wallets or web wallets for daily sending purposes where they can use to buy to some local stores or online shops where crypto is accepted.
And for security purposes try to follow all the security measurements of any web wallet and mobile wallets I'm very sure that there's an instructions there in the very first opening of the app.