I agree 100% on the need for safe and secure mainstream, branded custodial services to facilitate consumer adoption. For most, the soft wallet user experience has been lacking for over a decade and has no doubt been responsible for countless coins being lost or burned, and certainly dissuaded many from engaging with crypto further.

But I do not believe that I need to promote adoption by supporting the likes of Paypal, who change their terms on a whim akin to Google or FB. Imagine the poor folks who will have their "crypto" frozen in the future due to some nonsensical policy. Sure, they'll get access to it eventually but will suffer undue stress in the interim. I have more faith in Gemini or Fidelity to get this right.

As for myself, having lived through enough hardware and exchange scams over the years, there's just no way I would consider leaving substantial coin with anybody but myself.

This old school guy says NYK, NYC.