Anything. Rug pulls, retarded legislation changes, bad UX (though indeed most centralized options have it somewhat better)...
It probably doesn’t help that I live in a different country so I have to weight the local options, not sure I have a cashapp equivalent.
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The more people that own bitcoin, the more the present a political front that makes the government think twice about fucking with us.
As fat as rug pulls go, don't know what to tell you. Pick custodians that aren't reprobates.