Exactly the point .. if it gets to that "self custody" doesn't help .. only participation of big institutions and broad acceptance does .. For example if US banned bitcoin , it will anyway be worthless no matter where you hold it - in custodial or self custody .. Plus scaring tactics are always a bad marketing ... if self custody is good , tell people the pros . Sell on merits .. not throgh fear mongering .. By the way - tell me a single reason a retired 60 years old should go for self custdody ? I mean I can't even remember my zip code :- ) and most people misplace their iPhone thrice a week .. and you guys want them to have self custody of their life savings in a cold wallet :-) ..