I don't think it will matter for most people.
Discussion
If self-custody cost-of-entry is still tied to some sort of on-chain activity, then how is cost of transacting on-chain not relevant?
You're right, but whether it's self custody or custodial, Nigerians and other impoverished countries will benefit massively from using Bitcoin. There will come a time when they are paid fairly for the value of their labor and resources and then the cost of self custody won't be such a hurdle.