TVL is not the goal; TVL is a necessary evil. Every dollar locked in a (especially immature) protocol instead of being locked in a simple and secure wallet is to some extent a security risk.

Sometimes we have to take that risk to get valuable benefits, but locking for the sake of locking should be minimized.

Having every dollar in a secure wallet kind of feels like the Ethereum version of hiding your cash under the bed. Locking for the sake of locking is also sub optimal, but isn't the point of a network that dollars are used within the applications built on top of it?