Direct Custody and then Managed custody. Managing and holding your Bitcoin yourself to some persons is a no brainer. However, ever thought of the prospect of financial institutions holding and managing it, much like a flat currency. Can't help but wonder about the securities and convenience that comes with such. Would such a move increase the usage and adoption of Bitcoin? Knowing it can be held by banks? Well.. you can say so. Never forget such a move will kill one of Bitcoins character; Decentralization. Which move could be riskier; trusting yourself or financial institutions?
It doesn’t matter who owns how much Bitcoin or who holds someone else’s Bitcoins Bitcoin is money based on consensus. Decentralization can only be threatened if people stop running nodes or are unable to do so.
I suggest you search on Google for explanations about Rai stones, a traditional form of money from the island of Yap, to better understand how Bitcoin works as consensus-based money. From your question, it seems you might not fully understand how Bitcoin functions.