I don't disagree. But life is about putting your property in somebody else's hands all the time. When you invite people to your house, they are ready to take your property. It's on their hands. Families do this ALL the time. The family's money is always custodial with somebody. Custody is not only about trust. It's about systems. Companies do the same. The money is always controlled by one or more employees. Even when so, there are securities in place to avoid misbehavior. I don't think we will ever get rid of custodial systems.