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That's the beauty of having the option of being your own bank: if you don't want to you don't have to. There's any number of custodial services that will do that for you. And you get to enjoy all of the counterparty risk associated with them.
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BTC Minstrel 2y ago

Yup. Which is why I’ve never felt “be your own bank” is a strong talking point in an orange pill situation.

Most people want to “control their money” but not actually start a financial business and wear a suit to work every day, which is the implication of being a bank for the majority of people.

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