That's fair. My thinking is how close we are to a KYC-centric experience and how hard it is to reverse.
Tools and the lightning experience has rapidly improved over the last 5 years, and Bitcoin's in general over the past 14, and self-custody is becoming increasingly a better, safer, easier option - And while I think we've haven't reached a point of no return, if it even exists, it could be close. As an example, personally, it was easier for me to read a couple of wiki pages about Bisq and set myself up on there than the thought of having to sign up for some exchange and going all that it entails.