"Savings" is because you can lose your keys and even if somebody find them and logs into your account, intruder can not use steem/hive. Even if he makes transaction from savings account into liquid account (i.e. savings Hive into Hive), he has to wait 3 days to access. In meantime you can also save your account and get new keys. So....if you are sloppy with keys, than savings account is for you. Otherwise no.
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That makes sense. Thank you for your response!