You guys are both right. Self-custodial Bitcoin UX has to get better, but it is progressing each and every day. But at the same time, to use it to its full potential today you have to do some learning about the nuances. Thankfully there are tons of great resources if you’re willing to put the time in. Self-custodial VS custodial is all about time preference. Have some pain getting started as you’re getting familiar with the concepts VS have much more pain when you can no longer access your funds.

But I’m not signing a loan from the bank. I’m just trying to hold a small amount of sats for shitposts on nostr.