Anything self custody requires discipline.
But at the very least with hardware wallet it won't be too much hassle, some of the hardware wallets provider also sell a bundled package with steel plate to store your seed phrase where you can store it elsewhere.
The solution is already there and as more and more people become experienced with self custody, we'll see the case where people losing their key just because they don't back up become significantly less.
And that's a good thing.
Because custody is responsibility you take in order to not to be affected by these third parties that would most likely want to have in their paws
