100% agree for the most part.

I am just very hopeful that it becomes easier and easier to self custody as the years pass.

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Definitely will become easier and more convenient 10000% yet that won’t matter unfortunately.. not until it’s been 100+ years and the new generation grows up practicing self custy from an early age n it’s all that they know, never once interacted with a financial rail. But then again can we say that will be everyone ? Most likely no.. right because their parents n grandparents will be leading them to some extent.

I’m hopeful as well but also a realist