I've been looking into bitcoin for a couple of weeks. I've spent my lunch breaks for the past two weeks browsing the FAQ and wiki from the sidebar. I'm really fascinated by the ideas/principles/philosophies behind it, and really want to be a part of it. I've always been interested in economics. The problem is I'm a bit of an idiot in terms of technology, and it's that side of things that's sort of scaring me off. I keep thinking I want to wait until I really understand all the ins and outs, and now with the good news I feel a bit stupid that I didn't just jump in sooner, but also I still have reservations. Maybe you can help straiten me out.
The big issue is in choosing a wallet. That's basically where my hangup is. I have financial ties in multiple countries, and so one of the things that got me looking into bitcoin in the first place is the ability to transfer money between my bank accounts a bit more easily and without the sometimes ridiculous fees that the banks charge. (I can buy bitcoin with Korean money, and then sell bitcoin for American money, with a lower transaction fee than to buy American money with Korean money.) My friend who first turned me onto the idea of bitcoin recommended the wallet BlockChain in large part because of it offering real time data on a wide variety of currency exchange rates. So that's a feature that's definitely important to me. But I did a bit of googling and searching in this sub, and I see a lot of horror stories with blockchain. People having their keys hacked with viruses and shit? Losing money from fake log in pages? I don't know. That shit freaks me out. More so I guess because I don't really understand it.
I work in multiple locations from different computers, so I don't want something that is tied to a single computer. And ideally I want something I can access from my phone in case I need to change currencies while in transit someplace. Convenience and access to data are basically what I'm after, but I'm scared about my own ignorance leading to me making an insecure choice. Can anyone offer some advice?
I'm not interested in mining at the moment. I don't even really understand it, though I get enough to think that it's pretty cool. I might want to in the future, but that's not one of my considerations at the moment.
Also, from the wiki and talking to other people, I'm a bit confused about the different ways transaction fees are calculated. Some wallets charge flat rates and some charge rates based on the number of "data packets" or something which doesn't relate to how much money you are sending but has more to do with how many unique fractions of BTC your money is counted in? That bit really confused me. And something about "melting" units together to lower transaction fees? Is that something I can do in any wallet? Is that even something I really need to understand or is it more or less a minor detail? I can't really tell.
Thanks in advance for any clarification you can offer.