if you aren't interested in self custodial money then there's no reason to want bitcoin at all. What is the purpose of custodial bitcoin vs fiat?

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Unfortunately not everyone will have the opportunity or ability to self custody at the beginning of their journey so and it’s not a one size fits all scenario.

At least people will be able to build their savings in a currency with a supply cap (unlike fiat) and as their stack and knowledge grows, they will get in a better position to get their bitcoin to cold storage and / or some type of community fedimint.

Most folks I’m lucky enough to introduce bitcoin to, I wont be able to set them up with a cold card within 10 minutes but I can onboard them to something like Primal, explain how bitcoin works, zap them some sats back and forth and send them down the rabbit hole of how to self custody their stack.