Optionality is in a great place. Thanks to the work of many, there are great options for all those problems.

Can't make people use them. Can lead a horse to water but can't make it drink.

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That’s true, but also if mining decentralization doesn’t improve, that’s really bad for Bitcoin whether miners have the options or not.

Self-custody isn’t quite the same, but sadly modern competitive self-custody requires service providers (LSPs/etc) and they need enough users to stay in business.