The fact that companies like Celsius, Gemini, even Coinbase and other "cryptobanks" exist, and that people are using them at far higher rates than relatively simple (to us techies) wallets.
And when Celsius suddenly halts withdrawals to a huge portion of the cryptocoin community, the only answer is "oh, you shouldn't have been using that" or "not your keys, not your wallet" and other such "Advice". Its a fundamentally hostile environment.
A large reason people use these services is due to them paying ridiculous and unsustainable interest rates for custody of the crypto atm. That won't last forever.
and when it stops the vast majority of people will have no reason to use cryptocurrency at all and it will go back to being a niche thing for libertarian nerds
And when Celsius suddenly halts withdrawals to a huge portion of the cryptocoin community, the only answer is "oh, you shouldn't have been using that" or "not your keys, not your wallet" and other such "Advice". Its a fundamentally hostile environment.