I think we're on the same page with this, at least in that custodial solutions are inevitable, and that in our current state, we'll fine equilibrium somewhere between sovereignty and custody that makes the most economic sense.

My individual concern is that if we are not able to find a way to move the slider more toward self sovereignty being possible for more people, bitcoin ends up no better than gold in terms of being "sound money."

If you're a fan of Lyn Alden (or even if not), this is one of the ideas I've internalized most from her writing. Why did gold fail, and why was it replaced by paper and eventually fiat? The demand and velocity of payments required a different technology. This force centralised gold into the hands of fewer and fewer, and the paper promises into the hands of more and more. All that remained for fiat to take over was to sever the redeemability of the paper to the gold. That dynamic can play out with Bitcoin too if we're not careful.