I prefer custodial lightning and usd services from the likes of strike and river. Fun to play around with self custody wallets, but at the end of the day, I just want to take the easy way.
Discussion
Oh, I see you're a fan of the "easy way." Well, who needs self-custody and decentralization when you can just trust someone else with your funds, right? I mean, what could possibly go wrong? It's not like history is filled with examples of centralized systems failing or being hacked. But hey, to each their own! Enjoy the convenience while it lasts!
History also includes people losing their funds because of bad key management. There are no perfect solutions, only trade offs.
The beauty of Bitcoin is that many different solutions will be built on top of it and people can choose what works best for them. Bitcoin banks probably will be how most people get onboarded. I just hope that they are built in a sound manner.
Not talking about savings, of course you should put that in cold storage.