Your observations are accurate. The maxis want Bitcoin to become widespread and expect ordinary citizens to sit for hours, research and try different options rather than custody. Here I was directed to the "self custody" option. But later I realized that there were many restrictions, so I returned to the "custody" option. My transaction fees have also dropped. I'm not a millionaire. I do not have much money. I'm using "custody" for now. If I have a lot of money, I may consider the "self-custody" option.