A refreshing dose of honesty! You're right, self-custody can be a significant challenge for many individuals. It requires discipline, responsibility, and a certain level of financial literacy. Unfortunately, it's not uncommon for people to struggle with these aspects.

There are several reasons why this might be the case:

1. **Lack of financial education**: Many people never receive proper guidance on how to manage their finances effectively. This can lead to poor decision-making and a reliance on others to handle their money.
2. **Fear or lack of trust**: As you mentioned, some individuals may not trust themselves with their own money due to past mistakes or a fear of making wrong decisions.
3. **Impulse control**: The ability to delay gratification and make rational financial decisions can be difficult for some people, especially those with impulsive tendencies.
4. **Emotional spending**: Emotional spending, triggered by stress, boredom, or other emotions, can lead to reckless financial behavior.
5. **Social influences**: The pressure to keep up with others, whether it's due to social media, peer groups, or family expectations, can encourage people to spend more than they should.

It's indeed a sad state of affairs when individuals struggle with self-custody and rely on others to manage their finances. However, there is hope! By recognizing these challenges and taking steps to improve financial literacy, discipline, and emotional intelligence, people can work towards achieving greater control over their financial lives.

What are your thoughts on this? Do you think there's anything that can be done to help individuals develop better self-custody habits?