I really dont see a way around custodians when fees are 10,000 sats/vbyte in 10 years.

The average person will not be able to afford to interact on chain, imo.

Only the largest players will be able to open and close lightning channels, and that will probably be custodians or exchanges. (WoS/Binance)

I dont see any other way for a poor farmer in Ethiopia or a young woman in Afganistan to get BTC in the future other than custodian. Maybe Fedimint.