There are lots of people I would trust more than myself, but I understand it's a personality trait. I'm paranoid of losing things, my keys, my wallet, my cell phone, etc. While I lose those things far less often than the average person (which I attribute to my paranoia), there is something that inherently makes me questions my ability to not lose stuff, and since I have a fair amount of bitcoin, I'm putting it in the hands of someone I trust more than myself. I understand working on the inside of Xapo, knowing the security team, and seeing the security architecture internally first hand, makes me more trusting, but I trusted Coinbase (and probably still would) even before I started working at Xapo.