Technically speaking, I’ve tried to move bitcoin, even through an exchange, which I know people are opposed to, and found it to be difficult. Don’t think self custody even feels possible for a non-tech person like me.
Discussion
It’s getting smoother by the year. Self custody through the latest hardware wallets and mobile wallets is pretty smooth. You’re right, though, I don’t think custodial storage will be going away anytime soon, and that keeps getting better, too.