The sad fact is that most people trust the government, trust banks, and generally trust authority. When told, they inject their children and themselves with experimental genetic therapy. They follow the American Heart Association’s advice and wonder why they’re fat and unhealthy. Etc. Even the few who don’t trust authority are scared to be their own bank. They know they forget their passwords all the time. Very few people are willing and capable of being sovereign individuals. I wish it were otherwise but most people need a custodian. I’m bullish on systems like Fedimint. Local custodian managed by people you know.