this is an interesting point. perhaps one way to think of Bitcoin... is as a digital property. Property is 'finite'... that's why it's valuable.

Folks with the UTXOs (even small ones) are the property owners, property holders. And folks with lightning channels and their own utxos own that property but it's like a condo of sorts. The owner of the building has some say in the future and any given state of the property.

And the people using custodial services (which will be some people no doubt) are like renters. They don't own the property at all... they just rent property and us it for their own purposes while they can.

Is this a perfect system? No. But it gives people options and maybe that's the best we can hope for.