you are right.

not your keys, not your coins.

but like with lightning wallets which most people use in a non custody way, a mint would be used just with a small portion of your bitcoin. if you pass a certain threshold of bitcoin, lets say 2 million sats, the user would be informed and get to know self custody!

fedimint is for small or mid size communities, with focus on the onboarding and privacy! its a tradeoff and everyone should know about that! but i would still use a fedimint for my daily use of bitcoin to send and receive!