well, the difference is that the government's policy can make it more likely to be seized by law rather than greed.

which is more likely to actually happen? assuming the business is already taking a cut and accounts that in their business plan as being sufficient for operations.

a few bad operators in a company, a bad company, or a already well known bad government?

i'd rather take a risk on a few bad operators.

i'd rather not take a risk at all, beyond that, but if it's trivial/testing then it doesn't matter so much.

if i was running a business, i'd be self custody all the way for the business. this is one of the benefits of bitcoin, no bank trusting required. only the risk of bad devs/techs/administrators