Foot-gunning is why archeologists can date every level of ancient (and not-so-ancient) ruins - people lost their coins all the time! But for most of human history, it was understood that this was still safer than custodial options...

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Not sure what you're on about. I guess your point is that footguns are good. Archeologists can date every level of ancient (and not-so-ancient) ruins as long as you exercise blind faith in the official narrative. Probably close to 99% of mainstream history is fake, so are most of the "sciences". Not sure what "custodial options" you are referring to since I didn't recommend any.
Bro, you need coffee. My point was our ancestors went all-in for self-custody of the monies they used for millenia despite regular losses of coins due to normies being normie. The current custodial status quo is not historically normal, so I think we are being too pessimistic.