Good question. In 15 years, people will be more technologically adept. We’ll also experience more frauds like FTX along the way, which will keep reminding us “not your keys, not your #bitcoin.” There will be more elegant multi-sig solutions available. The older folks that store it with e.g. ETF custodian will also grow old and pass away. My prediction is that if you have a meaningful amount relative to your wealth (whatever that is in 15 years from now) you’re likely to 80% self-custody and 20% service-custody. Any small amounts will be service-custodies as the payments will work better with L2s and L3s.