Yes because in those cases you must trust others, unless you are allmighty.

But in the case of your money it's technically doable by anyone who wants to. So at that point it becomes a matter of will, rather than capacity. So not willing to take your money into custody shows a servile mind IMO

For high net worth individuals it's a another story though because the question of security is important so if you want to take custody of your funds, the technical burden comes back (multisig etc...)