One of the arguments I hear most from my friends when I tell them to get some Bitcoin and self-custody: Yeah but the money will be gone forever if I lose it or it gets stolen.
They think bank accounts protect them.
Have a look at this Revolut situation where a customer had £165K stolen from his account, and Revolut won't pay him back. HSBC accounts involved too, of course.
Keep it simple. Stack sats, keys offline. Don't trust, verify.