Bitcoin self-custody is not for everyone. When Bitcoin is the standard (and it will--as it is the hardest money), the vast majority of people will be using a layer of money built on top of it and will have zero clue that they're operating on Bitcoin rails.

And so to my point, and from now a few years of experience, self-custody is too daunting for most folks, it's not exactly easy either. Different forms of custodians (small federations and whatnot) will emerge over time that will do a better job of keeping people's bitcoin than those individuals are actually willing to do, at a cost. And that's okay, and it's especially better to the current fiat alternatives which is garbage and offers no guarantee except that your purchasing power can't stop eroding.

It's layers. Layered money.