It's not a wallet, it's an account ;) I don't blame users. My view is that people don't care, they use what works best for them. The reason they choose to use custodial solutions is because non-custodial solutions can't offer a better UX. I believe that we need build non-custodial solutions that users will prefer to use and I truly believe we'll get there. P2P money has a lot of UX benefits.