That doesn't sound safe and lossless
In fact it sounds guaranteed to incur losses via fees, and surely riddled with other security issues as a result of being something designed to take money by attracting careless users to insert the money
Discussion
WTF
Your crazy lol
Or you completely misunderstood what I was saying?
Neither
Self custody means I can hold it and neither you or anyone else can refuse to give any of it back to me because you already don't have it and I already have it
What you describe is a situation where I don't have it, and other people do, and at the best case I might be guaranteed to keep most of it for now and not have too much taken away until repeat usage
Also, does this stop access from being delayed? Self custody also means you can't delay me from having it because again, if it's self custody, you already don't have mine, I already do