So. No one beleives you should prioritize custodial solutions to secure your wealth. Self custody will always remain king in that regard. Custodial wallets should be thought off as a physical spending wallet you can walk around with, even through the dark alleyways where it might get robbed from you. Keep your cash in there for convenient spending, not worrying about fees, liquidity, data footprints, channel backups, etc. etc. etc... These benefits obviously come at the cost of trust, that the provider doesn't rug-pull your deposit.

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