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It doesn't have to be all or nothing. Think a bit.
Some people will make the decision to trust a third party, other people want to keep full control. Some people will have a custodial hotwallet / lightning wallet, for the convenience, while keeping full control of their cold wallet.
It is a common misconception that there is just one way (all or nothing), a best solution for everybody, that success is only achieved if some idealistic scenario becomes a reality.
The truth is that what matters, is for you to have the freedom to decide what is best for you. Bitcoin gives you that freedom, gives you the sovereignty over your money.
You are afraid of managing your money and want to use a custodial wallet? Your decision.
someone else wants to use a non-custodial wallet and keep control? Their decision.
The important thing is that the possibility is there, a nobody can force you into something you don't want.