Why own BTC given the off-ramp risk?

As a US citizen are coinbase and Bitstamp the only off-ramps for crypto?

If so, for BTC, why take the risk of owning BTC when I can own a fairly close investment vehicle with an ETF without any custodial or off-ramp risk?

What am I missing here? I know “not your keys not crypto” but what is the point of owning any investment if cashing it out is a real problem?