They will stay there as long as they're okay with potentially losing everything they have there. If they have thousands of dollars worth of Bitcoin they're not going to feel as safe leaving but there as it's pretty easy to self custody on chain and fee isn't really a problem if you have that large of a stack.  

 The world needs @ZEUS and @OpenSecret. 

 I concur 

 You'd think that but look how large things like coinbase custody is, a lot of people simply don't care or are too lazy 

 If they're too lazy to care about who has access to their life savings then it's going to be a hard lesson for them at some point in the future. Best we got is to educate people on the pros and cons. The pros of self custody on chain far outweigh the cons for large sums of money. For small sums of money, the pros far outweigh the cons for custodial lightning. The con to custodial lightning are that I risk losing an amount of money I'm... okay with losing...  

 That’s a pretty US centric point of view tbh. For many a few hundred dollars is everything already 

 Then they won't benefit by paying exorbitant fees to be on chain or by spending fees and loads of time managing a lightning node anyways.  

 The trigger should be transaction/balance limits, and custodial wallets should tell you to either shift to non-custodial or do some egregious KYC step at a certain limit

... custodial wallets need to become deliberately painful at a certain level of usage, and they should also provide easy pathways to non-custodial at that point as an option

... which is why things like WoS's 5 BTC per transaction limit is such a huge red flag for me