after much thinking my conclusion is custody is for next generation.. most of my gen and older would Max use ETFs .. only few fifty plus have the tenacity to learn , understand and maintain self custody .. even those who do , will never go full throttle because risk appetite diminishes with age .. most of us would be stuck in ETFs or exchanges at best .. but it is not a bad thing , at least youngsters can own their money and it sure puts a check on unhinged printer :-)