AGS already does have a password lock function to receive dividends. AGS funds are locked by the password that locks the wallets you used to donate (they are locked, right?).
If someone compromises your computer and uses a keylogger to take your passwords, then you're in trouble whether AGS is liquid or not, the specifics just change a bit.
There are security problems with crypto, but there are also security problems with precious metals and federal reserve notes. I think it's just that not as many people are as far along the learning curve for crypto security yet.
Oh there is a password function ? I should look into it. I think the fact that I've been on the internet 20 years and don't recall ever having a virus even when I didn't have virus scanners has made me feel overly secure... I didn't even look for it. So much to learn.
Regardless, software is a fragile thing compared to assets that you mention... and there is rarely a 'do over' option. I agree about learning curves etc, but the reality is there is just so much that can go wrong.
For instance I've had to fight the multibit software multiple times trying to get it to work with my wallet. I think paper wallets are the way to go for any amounts that are truly substantial. Then the problem comes up when you want to access the paper wallet.....
As an example of cryptocurrencies being fragile, I once exported my addresses in the original bitcoind and thought I had a backup of my private key. Then my HD crashed and I found out the 'export' function was not what I had assumed. Not a good way to learn.
Oddly enough it worked out because I only got around to data recovery when btc hit 1k USD +... Now my investments after that are a different story.
Lets just say Bitshares or bust