I think Hive falls into most of this good practices and thats why so far I like it so much, I can have my crypto safe since my Hive account is my wallet, as long as I keep my keys safe there is nothing to worry of me loosing my coins, can power up and lock those coins or send hbd to savings that force the habit of saving, I have read a few times the mention of vaults for Hive similar to HBD savings and that would also help ppl to invest for a longer term and hold during bad times