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!