The line has already been crossed with Lightning. Almost everybody is using custodial wallets because self hosted lightning is a pain in the ass and the fees are nowhere near a few sats if you don't use the same wallets everybody uses. The whole generation of number go up bitcoiners does not even get the most basic concepts of why bitcoin was cool back in the days. P2P currency. Not your keys, not your coins. At the beginning even a certain level of privacy. What do we have now? Paypal like Banks on Bitcoin.