I think akin to multiple types and layers of accounts; a custodial 'hot wallet' for 'coffee & an evening out' - will be one regularly used piece of a larger 'suite' of tools/layers/accts/security/hardware & cold wallets etc. -- I am fine with a custodial wallet for what I'm fine with losing in cash in a traditional wallet for instance. -- I do appreciate the point though. Though I do believe that as Bitcoin and the general awareness and education level of what it is and its potential and how it can be used to store value,the virtue of self-custody, etc. will add sufficient balance such that I hope it in some way does ameliorate your concern. Or so it seems from a perspective; there are many. ha!