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That's fair. Direct ownership may indeed be very important to some people but not so much to others. I think it likely depends on which country the person lives, their current wealth and debt, living standards and their job and income situation. For instance, some can easily withstand some inflation, while others may fear seizure of property or assets.
What really matters is the investor identifying that he has discretionary income present and being practical about his involvement into Bitcoin by buying and holding.
Direct ownership should be important to everyone because when you hold y your coins in a centralized scheme, then you cannot lay total claim to such coins since it's at the behest of those managing it. Self custody is the best, that's the real intention of creating Bitcoin, to make us in charge of our finances and free from centralized control and it's very important to note that " Not your keys, Not your coins"