I dont see any way there can be self custody for small players in the future.

There will probably be a fully reserved bitcoin bank that takes 1-2% on transactions. Send btc to other bank members for free. Similar to strike, binance pay or lightning

Has to be super secure though or a Lotta people will get screwed

Can't get away from conglomerates 

 

 Pretty much wallet of satoshi. It'll be kyc, like everything else is. The key is full reserve, no rehypothecation. And 998/999 multisig. Hah