Yeah I keep the overwhelming majority of my bitcoin noncustodially, even most of my lightning funds, but I do have under $10 I keep custodially just because it's so fast, and low fees. I may get rugged on this but it's a very small amount of money, I have more of my 'wealth' in Starbucks Gift cards.

But I agree about encouraging WoS. I'm especially worried about the entire Global South getting rugged at once. That would be really bad.