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You could also say the fear motivates a lot of people to try to keep what they have and not lose it. However, they don’t fear enough, IMHO. It is the platforms, exchanges and FTXs of the world that are ripping them new ones. If they held it themselves they would do better with less fear, I think.
They just want to keep what they've earned.
What they really earned if their mind is only fixated on fiat gains?
Fair enough. I think of it as keeping what they've earned, because I think of bitcoin as money. They are probably thinking of it as a speculative investment, though, and therefore seeking gains.
It looks like you may be right. They are still in the fiat set of mind.
self custody
run a node
use lightning and liquid
I suspect the first two will always be unusual, but most people will use L2's for daily transactions.
I think many people will be perfectly happy staying on step one, but, as you note, that's the hardest step.
Most people aren't passionate about their principles. They just want to keep what they've earned.