[pinkybanana]

It is not dumb. Custodians are useful, very useful actually. With Bitcoin you can use custodians, but you can also host your bitcoins yourself if you want. The opportunity to do latter is the most important and makes Bitcoin valuable. However majority people in majority of cases prefer to use custodians, and there is nothign wrong with that.

[koheripbal]

If 99.99% of people are holding their coins in a bank, then I'm not certain what the point of the blockchain is.

Is the entire global system supposed to move to bitcoin just so 0.001% of people can keep their money under their mattress in a hard wallet?