Well Geezer, I have thoughts but danged if I have any answers.
When I first saw "travelbug hotels" I thought they were a good ideal to help those ones, that are on long missions/task like mine, get into the hands of those "wayfaring cachers", mostly along the interstates and needing a fun break. I have sense then (here I go again), as best I can remember, heard them called death traps. I can see (as you do) that putting all your eggs in one basket has it's risk but all our caches and their contents are at risk. I was the last recorded visitor to one cache that came up MIA. I took my sister to let her find it but it was gone. I did the fake cell phone bit, got out my walking stick/cane and did the old man just stretching his legs, etc. but even though no muggles were around (not like in rest stops with lots of lookers) it went MIA anyway. When you drop TBs out there they are at the mercy of anyone who finds them just like everything else in the cache. I still see TB stops as theme caches but with expensive tags inside.
TB story: One TB headed to Washington DC sits in New Jersey. Another headed to Washington State ends up in Jersey just miles away vie way of New Mexico. My third one, picked up at a TB stop on I-40, is now MIA.
There are a lot of really nice people in this world but if you think they will respect your stuff the way you do then just loan out your lawnmower or chainsaw or boat or sewing machine and see what happens to them. These same people are intrusted with your cache or your TB or you believe they will replace your foreign coins with others of equal value? I just put it out there and see what the results are. I feel some are just using caches as a second source of income but that is just the nature of our game.
Live a good, honorable life. Then when you get older and think back, you'll enjoy it a second time.