Self custodial users will be the kings of the future financial system, regularly exercising their sovereignty.

That means using their own policies, not anyone else's. 
That means capturing the long term value of infrastructure.
That means leveraging insights for precise management of their operations within the dynamic network.
That means managing relationships with other sovereigns.

Not everyone will be able to have the freedom of kings with their own UTXOs. 

 So if freedom is not for everyone, on what basis did you disqualify ecash?
I'm not too familiar with ecash, but the anonymity appeals to me...