The question of custody vs. self-custody is an important one. But I have started to think anew about this since I learned that it would take more than three decades to get half of the world's population an address on layer onr of bitcoin...

How on earth is everybody going to live by the motto: not your keys, not your coins?

How are people in the "developing" world going to save in bitcoin without using a custodian if onchain transactions cost as much or more than the do now?