I self custody, but even then, it's been assisted multisig for years because I know I'm an idiot.

What you pointed out is even scarier and I didn't really think about it. But the risk of messing up your self custody is kind of tempered by the even larger risk of getting your online financial and social life rugged by a hack or otherwise bad actor. Most people are ok with the latter risk though because they discount it so much.

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Agreed. People discount fiat world risks massively and so by that’s discounted basis when they compare to Bitcoin then Bitcoin seems relatively more risky than it actually is. Not to say there isn’t risk in Bitcoin, there is.