There was another too a couple years ago that someone sent me. I'm with you on custodial wallets being a hazard. I at least need to provide the option to be noncustodial.
As a possible middle ground between custodial and non-custodial, what about a pay-it-forward custodial wallet? Allow users to withdraw their sats at anytime (of course!), but when a user goes X months of no activity, some amount of their wallet balance is redistributed/donated SN choices? Also, it is understandable that this may not be a popular idea, but sometimes polarizing ideas work the best!
Did you know?
Long before Stacker.News, there was Witcoin. Back when BTC/USD was under $1.
Witcoin UI was pretty basic, but along the same lines as SN (pay in BTC to post, to comment, to upvote, etc, and the OP got most of the payment for upvotes and comments, and the site got its cut).
tl;dr: Custodial wallet. Eventually abandoned and outstanding balances rugged.