Is this your best argument agains self custody?? Nvm boy, keep your fiat in the bank. You deserve it.
I do self custody, have a multisig and verify my downloads. But tell me how many people are able to do that? I doubt it is the average person, probably not even 10% are capable to have a secure system and should have the option to have a trusted entity that helps. Banks could be that entity, the small regional ones. Not the international asset managers of course