I really like what the team at Block is building. They're prioritizing improving recovery and creating more peace of mind for mainstream users. I don't think the current suite of products are well-suited to normal folks.
Taproot will be a part of the solution to improving self custody. I think there is room for much more experimentation with social recovery. And inheritance too.
There's been tremendous progress the past 10 years for self custody, but I believe we'll see even more progress the next 10 years. The UX and security will become so good that the question will flip from "Why would I self custody?" to "Why would I trust a 3rd party?"