You need to enter a password to transfer funds from your wallet. Someone has 1.9 million USDT stuck because they never set a password and can’t remember their seed phrase—if that’s the case, you either have to show up in person to retrieve it, or just give up.

Actually, if you can remember your seed phrase, it’s simple: just switch to a new wallet and enter that phrase.

In the end, you must remember your seed phrase and private key. Personally, I recommend storing them separately—for example, keep half in a safe deposit box, and hide the other half somewhere else. Don’t think it’s too much trouble. If you lose them, you could be losing millions. For mainstream coins like BTC and ETH, it’s not so bad, but you need to be even more careful with altcoins—if you lose your wallet, there’s no way to recover them.