Get off the credit standard

Start the bitcoin standard

Credit = not your keys not your coins

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Same with bitcoin if you use something like coinbase

Self custody is so easy I don't understand how they say its hard..

Yes, you just need to do a little research is all

Stop underestimating my level of incompetence.

You literally download an app/get a cold storage device, backup the code and your done

I wonder how some people were even able to tie their shoes. This is a lot for some folks to handle.

If you can borrow fiat at 0%, you can do it and use on your everyday spending. And use available cash to stack more BTC. Just make sure you have fiat reserves on hand to cover few months of spending to prevent the necessity of selling BTC