if you're not going to self-custody, then what's the point of having bitcoin over fiat

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True maxis have #bitcoin everywhere

True.. not gonna lie but the majority of your btc should be in self custody.. you are right because I myself have in multiple places but mostly or close to all of it is in self custody..

For sure just haven’t found one yet that I like

Correct. Very little cash on hand so some stays on exchange for emergency exchange

that's not bitcoin

that's an IOU

Aware