I agree that most people gravitating towards custodial solutions is bad. However, that doesn't mean that people are keeping all of their sats on these providers. Maybe once they get to 100K they send to their own node or non-custodial solution? That's what I do. I only keep an amount of sats out there that I'm okay with losing. Once non-custody Zap solutions exist, this will get better. Fingers crossed for BTCPay server's PR to get completed in a timely manner.