I would agree. There is a room for custodial services that is done right. What that actually means I'm not sure. But I see big names like Fidelity (on purpose said LIKE Fidelity, not necessarily them), which can be sued and held responsible, to be useful in situations like that. Also, let's say you got lucky and accumulated over 150 BTC, you will not keep that in one wallet I hope, one should spread that around which means multiple wallets and multisig, etc. That sounds like a business to me. Just saying...