I think there is a lot of PTSD after failed custody in the past, we've seen so many ruggings with exchanges and that was when BTC was cheap as chips to move on-chain now that it's not the case or not always the case its' encouraging the custody model

The simplistic answer is every scaling option that doesn't allow full unilateral exit is a shitcoin, but reality isn't simplistic and people are dynamic and can choose the risk they are comfortable with using. 

In the end opinions are only one part of it, and the market demand is the real test, no one has it figured out, and by trying is how we learn, yes there will be failures along the way and lost capital but that's the cost of doing business