I think asking a question about the will of people will automatically be biased and I wouldn't attach too much interest to it as I don't think you will get anything significant out of these questions. I would agree that old people with mental disabilities, or kids under 5 yo should not be their own bank, whether they want it or not. For the rest of the population, managing our own wallet is a matter of technological advancement I would say. Just yesterday I discovered bip 67 which allows us to skip remembering the order of our keys in multisig. Until then I was convinced the correct order was necessary but my information was too old and incorrect anymore. I am very optimistic about the idea of being our own bank thanks to this constant refinement of technology. Last day I was reading the story on Stacker news of a Portuguese who lost his life savings in Bitcoin through a hot wallet he was convinced would be fine. Let us learn from that, use technological improvements and manage money with cold wallets!