So far I've got about 20 accounts that lie idle for the eventuality of a mainstream run on hive as a utility platform.
Even tho my stake is small, as you point out massive price rises in the native hive token could make a dolphins account large enough in $ value that they could, for example, pay off their mortgage, mitigating against life changing sums getting stolen is essential as things move forward for sure.
I also think recent developments with hive being storable on a ledger offers further high security options for storing liquid hive.