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> What happens if someone steals my wallet and my seed phrase?
I feel like you know the answer already. But some fundamentals:
* PIN protects the device. If someone steals the device, they need the pin to unlock it.
* If someone has your seed phrase, they have access to your funds.
> Can I change the phrase quickly so it can’t be accessed?
Doesn’t work like that. You would need to generate a new seed phrase, and send your funds to an address that your new seed phrase has provided you.
> What would Trezor users recommend to safeguard against this happening?
Passphrase protects against this. It’s an advance feature, so spend some time doing some reading about it.
> If I lose my wallet but not my seed phrase can I simply log back in and access on a new wallet?
Exactly.