What I object to is any doubt that today it is unsafe for anyone to self custody given the appropriate operational security. A hardware wallet is probably sufficient for nearly all cases of even non technical user. Where people go wrong these days is a) phished [education, instruct never never type those words into the computer…] b) tricked approvals [just don’t mess with eth until you know what you are doing. You will probably get scammed cos eth had a lot of scams.]

Self custody is a critical part of this ecosystem. It’s been the biggest mantra of the ecosystem, so I really don’t understand how you can think this is for a small segment. A vast majority of BTC and ETH is not on exchanges. It’s the entire point. What you are admitting to is saying “I was there at the start but I still don’t really get why…”