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No, but self custody, and having the free option to take it yourself, is the solution to fiatville, and a whole host of the world's other problems
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sure! not only for yourself but also aiding your friends and family.
For instance every big spend needing a confirmation from trusted designates or be subject to a delay, to neutralize key stealing
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Social recovery is a thing. Like it ot not, not everybody is able to be its own bank. Seed phrases are not a solution for every use case.