I fear the world of custodial Bitcoin

Most people i talk to don't want to store Bitcoin themselves. One rich guy told me he would trust the exchange more than himself, and as soon as ETF came out, he sold all of Bitcoin and bought back via ETF.

I don't think educating people about self-custody isn't the answer. There's intrinsic insecurity of holding large sum of Bitcoin in self-custodial way. What if i die? How can my family receive Bitcoin if i suddenly pass away?