We've normalized entrusting our money to third parties. This occurs because people have to outpace inflation, and to do that, they have to put the money with a trustworthy entity. Authorities benefit from this, as they can seize these assets in emergencies.

Our lack of ability to handle our own assets, or self-custodying, is a direct consequence of this money-printing approach.

We need to learn personal responsibility for our assets. That's the big lesson most people don't want to learn. But they will, when a sufficient emergency comes.