“Non custodial” is a psyop. It uses the negative “non” to sound bad. It makes it sound like custodial is the norm and this is the bad version of it. It’s meant to scare you off — that’s why legislation in EU loves to use this phrasing.

Do not use non-custodial as a phase. It is a tool of the state to discourage you to from holding your own coins and taking control (away from them) of your money.