If Bitcoin is going to be mainstream, we need to move on from "not your keys, not your coins."

I realize what I'm about to say may be unpopular, but I'd like to start a genuine discussion on this topic. I understand what is being said, when people repeat the not your keys...phrase, but if Bitcoin wants to grow up, we need to get past that for a multitude of reasons. Full disclosure, I hold small amounts of Bitcoin in a hardware wallet and I also have IRA funds invested in GBTC as well as some on Coinbase.

Recently I've been talking to family members about investing in Bitcoin and I realize they have no business ever holding their own keys. I believe they are far better off using something like Paypal, Coinbase, Robinhood or investing through GBTC/OBTC etc. These people are smart and educated but older and not that tech savvy.

Almost daily I see a post here from someone that has managed to lose their coins in any number of ways. Yet, also daily I see comments advising not to use Paypal/CashApp/RobinHood or Coinbase to hold Bitcoin. Having a 3rd party do the custodial duties is actually a valuable service to the majority of people. I know it's popular here to use hardware wallets and protect the seed words, but how will people handle that when they start to get dementia? I'm wondering what I will do in a decade or 3 when I may not be as sharp as I am today. I believe insured custodial services are the future for the vast majority of future Bitcoin users and we shouldn't discourage their use.