It is not recommended to split up your seed words[1]. Do not try to build your own scheme. If you want to store your keys geographically it is recommended to use multisig. You can also use a passphrase (13th/25th word) that can be stored separately from the 12/24 seed words[2].
It’s a lot easier to hide a piece of paper than it is to hide stacks of cash or gold.
Unscrew and hide behind a doorknob or a light switch, the inside of a clock, the bottom of a dresser, inside the wall trim, the leg of a couch, etc.
Then add controls on the wallet itself - only x can be withdrawn every 24 hours, and m out of n recovery methods (your trusted friends and family, a service which validated your email/ phone number, a pass phrase, an in-person office which validates your id and passport for a fee, etc), and you can be as secure as any bank.
If people store monies at home, robberies will grow. There are even bank armed robberies, home break-ins are a walk in the park for thieves.
If you have multiple wallets, you have multiple keys to manage.
You need banks. Hardware wallets and seeds phrases don’t work for most people.
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