So if I'm a farmer in Africa, and I have $100 in life savings, I should spend another $100+ on a third-party commercial device because the normal software is not safe enough?

That's not what I've said at all. I've said mobiles these days are quite secure. I also said if someone has a value in crypto that means something to them, I recommend a hardware wallet. That doesn't mean they have to get one. It's like anything, you work out the value of something, and decide how you want to keep it. Many people are more than happy with hot wallets