Explain please. The fact that 90 % of humans don‘t want to take responsibility and don’t want to have the main control over their own money without a third party is debatable in your opinion? What ‚Bitcoin-specific-problem‘ do you see here?

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Self custody can be improved in different ways. With better UX, users won't even know if they are using a self custodial wallet. @Rob Hamilton 's trident vault is an example of innovating self custody with insurance and better security.