To play devil's advocate: contrary to what bitcoiners like to say, self-custody is non-trivial. The recent physical attacks in Sweden attest to that.

It's not just a matter of learning a skill for good, but staying up-to-date on the latest developments, newly discovered vulnerabilities etc. There is no single opinion on what's best, it depends on your circumstances and even for the same circumstances, different people suggest different solutions -- which are all trade-offs after all. You have to find a sweet spot between security and ease-of-use, which again, may only protect you for so long.

The Glacier Protocol, for example, is quite involved, which some would say is a must, while most would say is overkill.

It's no wonder that the average person doesn't want to deal with that. They just want to save in money that doesn't lose value. They don't want to become computer security nerds and live in paranoia. But they just may have to choose between that and staying poor...