people think that if something goes wrong with their Hot wallet or cold wallet, they will lose their bitcoins haha

Understand one thing: the only essential item you must have is the set of 12, 24, or 24 plus phrase words that are your seeds, having this you can access your funds, no matter what happens.

All transactions after being transmitted to the mempool and included in a block, remain on the network and this makes it not matter what happens to your wallet.