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I’ve always thought KYC custodial setups would be the norm.

Most people prefer outsourcing responsibility.

hard to define “responsibility” thresholds tho. Was someone irresponsible if the got into bitcoin in 2023, but a coldcard to self custody, and was a noob around dice rolls so preferred to trust the “best in class” device to generate their seed?

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It’s a middle ground case because they did decide to trust the security of the product they bought.

They have every right to sue ColdCard for damages, which means they didn’t assume full responsibility for their savings.