Yes. Those who rely on central service providers can learn better ways. Some people never used a centralized service to buy bitcoin. Whoever wants to change some money (any currency supported by Wise or Revolut) for bitcoin in a fair way using multisig (2of2 - one key yours, one mine), let me know. Minimal fees (1sat/vB) and nothing else. There are still some miners who pay rent…

Personal note on Mr. Schneier: I stopped reading his blog years ago when he started sounding very authoritative and although his thoughts are as valid as any other random kid's thoughts, he started to misuse his popularity (long before Elon) and spread FUD without any evidence (recall his articles about "Russia-backed" cyber attacks).