Bitcoin Self-Custody is notoriously hard for certain people. If you are stacking sats but are not holding your own keys you most probably fall in one of these categories:
1. You get scared off by the mountain of new knowledge to master.
You can overcome this by taking the smallest viable step forward. Interaction is key: you must get your hands dirty and experiment or you will never truly get it.
Children play like that. They try and they fail. Then go again non-stop. They don't even know the concept of failing. They learn more in a day than adults in a year.
2. You fear the Self-Responsibility part. This is the harder to overcome. Decades of ingrained helplessness makes you avoid responsibility at all costs.
Don't think you can have freedom without responsibility for your actions. Stop blaming and whining. Adopt gratitude and face your shortcomings.
The alternative is to accept slavery. This is a valid choice. Just say it out loud and live with the consequences. Still better than living in ignorance.