Step 1: Don't rely on a secure element in the first place as most use cases are fine with a stateless device.
Step 2: Save a truck load of money. The end.
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If you think any coldcard device is a truckload of money, you need to work harder and stack longer. Then there will come a time when such things are cheap.
But you’re right, stateless is often good enough. I treat my coldcard as stateless
Okay Mr Money Pants. I can't wait to get as rich as you so I can just burn sats just because. :)