I agree with you. This way of thinking is extremely present-biased. Back in the 1990s people also thought internet would be too complicated for the average person.
Indeed, it's a great way to look at it.
I have toyed around with a couple of friends and Muun. Didn't explain much to them, I only wanted to provide the "look it's just this easy" pitch. The only self custody instruction I provided them was "keep this backup PDF well secured and everything will be fine'.
So, they are technically self-custodying, using on chain and lightning without a clue of what's going on. I guess we are slowly getting there.
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