You tell me. I'm happy to change my mind if you prove that this debate settled long ago is ready for an update. Everyone is a scammer and Third-parties are security holes are probably the best resources available on Nakamoto Institute about this issue.
You mentioned mass adoption in the OP. Bitcoin is not for the masses. Not yet anyway.
Fun fact. All bitcoin are in self custody.
Waiting for the masses to do anything is not a good idea.
However, this discussion we're having is just for the kek. The masses will own irrelevant percentages overall to pose any threat. Pareto was extremely optimistic, let's just leave it to that.
