One has to keep in mind that self-custody is not for everyone. For people that don't know, or understand, are too afraid or need always someone else to blame, that's a fair game. Good in general for BTC as advertisement and for the greater good. What one does with their money is a personal thing, no one forces anyone to get it, it is an option (for now). Even if they offer in one's employer 401K at work, one doesn't have to do that. Set % of one's pay that's comfortable with and start DCA at the favorite BTC buying place. I bet in a few years the results will be way better.