I have to say that this is a classic example of what it means to ‘Be your own bank’.
I put much thoughts to it after reading your post, and remembering instances where I foolishly lost my crypto. Good to see the words you used in your topic caption, and good to see this on Beginners & Help board, because If you decide to ‘Be your own bank’, you’ve taken up a huge responsibility.
It comes with a whole lot of benefits (which is very much discussed), but it’s best people learn that there’re consequences when you fail in your responsibilities as a ‘Bank’.