You don't need to use a non-custodial wallet, it's that simple, there are other options. People can choose either, both or none. If you don't or can't self-custody then you can use these services, that work because they do, but it is your choice. Your not forced into it like the banks, banks suck for sure, bit for some things you might need a company with skills, the technology and money to build a product. Take cars, super useful and expensive, but very few people can build there own, therefore, there is no real choice. In wallets, self-custody vs non-custodial, there is choice.