Half the shit you just listed are paid products. Self custody has never been easier and does not require any 3rd party. The keys are already in users hands - use them.
What ever the number is it needs to be more.
According to this article there are around 52 million "every day" millionaires in the US worth between $1-5M. It should be trivially easy for these people to own and self custody one bitcoin (except of course the obvious 21M BTC reason).
We need more easy to use self custody wallets like Unchained, Casa, AnchorWatch, Proton, Bitkey, Liana, Sparrow, etc. Bring on all the projects with what ever models/trade-offs work to somehow put the keys in users hands.
https://www.cnbc.com/2025/06/19/united-states-millionaires-wealth.html
Discussion
Easier said than done. Most people don't know anything about bitcoin, money, technology, or anything else they'd need to self custody without the help of a 3rd party. I'd much rather recommend paid services that help people use self-custody than leave them to figure it out on their own.
But by all means if you want to train your friends and family and co-workers how to use the available free options please do. We need more people doing that too, but it's a big responsibility.