I don't think this is fair, but maybe the people you are talking about are more lazy than me. Firstly, I always go for the non-custodial wallet at first if I can. I don't have time to wait for you to sign up for an exchange and wait 48h due to regulations. But the problem is that most people would rather jump to the "where do I go to buy it myself?". They don't want to sit with you, they want some homework that they may or may not do and walk away. The other thing is what do you recommend? I would personally recommend robosats for starters and bisq for larger buyers, but it is always disheartening to see people behave like any small extra steps they need to take is too much, while if a regulated company asks for their first born, they'll happily ask where to sign. How much of the risks do you explain? You should never mention bitcoin in the reference when sending cash to another peer. Worst case, you get yours and your peer's accounts closed. That is scary AF. In the UK, robosats is super unpopular, but in the EU it's great. So if you have Wise or Revolut, its easy to get you on KYC-free bitcoin, but if not, its not so easy and then you get questions like "why am I doing things that are controversial here?" As simple as it sounds to show someone to use the objectively most frictionless way to buy bitcoin, it is subjectively more friction for most people and you find yourself trying to radicalise this person in order to convince them that giving away your personal and private information is not frictionless and using anonymising tools is a reusable skill that is hollistically much more frictionless.