More expensive than $500 is mostly the responsibility of custodians. If you're beyond 3 hardware devices in a 2/3 multisig setup where a custodian holds one of the keys, and are dabbling in Shamir secrets, playing with substitutions cyphers, fucking with custom derivation paths, learning XoR, or shoveling dirt in relief of an empty moonbeam to bury things, you've gone too far. I do believe hybrid self-custody solves most problems and is coming mainstream with Bitkey's imminent launch.

It solves the problem of rapid fiat conversion in/out because Coinbase and CashApp are partners, and since the phone can be used as one of the 2/3 keys, laziness is solved for. The people it attracts were never going to use a Coldcard or Trezor with Electrum et al.

Me I just memorized my 12 word key. And have it on 3 coldcards in 3 different timezones.