I totally agree to you. And it is good to learn about bitcoin and how it works. I can personally take 10% or the persentage i want to buy bitcoin myself in a non-kyc exchange or through other non-kyc means, and have the bitcoin in my noncustodial wallet. This also have already fulfilled the purpose of bitcoin ritirement account, but th privacy which i excluded before now included. It is best for us to go noncustodial and having our private key to our funds is best.