I see why there is an even split, it makes sense. For the majority self-custody is right. But I also understand where an elderly retiree could use some help. Sometimes they can't remember what they had for dinner last night (just look at your prez :-)) so companies like Fidelity (like them or not) can step in and be useful and accountable for 12 or 24 words safekeeping. There are certain things in life you can't do it alone, one needs some help sometimes.