If I ask a random 100 people who own Bitcoin on the street if they have their Bitcoin on exchanges or with custodians, at least 90 of 100 would say yes. Their stack is at any moment poised to hit 0 from rugs and freezes. Must have seen at least 3 posts on X this week talking about exchanges freezing their coins. That proportion would be much lower with Monero. Not only because of the less normie invasion of the community, but because its delisted from almost every major exchange.