Your thinking about it too much. Run the software or don't bitcoin still works either way. I look at it like buying a modem and router in order to have internet in your house. Right now it's foreign to most people but eventually it will make sense for those that explore. If you don't buy the equipment you will end up renting it from a business in some non physical way.
Discussion
I don't think I am. Bitcoin still has a scaling problem if self-custody is not to be a thing of the past.
How does bitcoin have a scaling problem?
Each person maintains only a couple lightning channels per year, big block:
8B people * 4tx/yr * 250B/tx = 8TB/yr
Each year, a full node would have to add $150 in storage if they only use disks
VS:
Small block, self custody:
8B people * 1tx/person * 10min/2700tx = 56.3yrs
Time to make one transaction per person art current rate.
----
There's no way to self-custody for every person at the current rate. As it currently stands, an on-chain transaction will be a once-in-a-lifetime event for 99.99% of people.