It's so true. Met a friend yesterday and whose Trezor got "hacked" (they don't know why there was no balance on it) and they started their stack over... but this time physically lost their Ledger device. This is not a person of low intelligence but perhaps disorganized.
I see the same thing. I think probably all of my friends are smarter than I am, and yet I'm better in the domain of money (and have long experience with the tech of Bitcoin). NONE of them want to deal with self-custody; the ones who bought any bitcoin did so in around 2015-16, kept it on an exchange, and eventually sold.
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