The only reason the price went into the stratosphere was the millions of speculators using custodial wallets. So it seems that many (likely most?) users didn't

The only reason the price went into the stratosphere was the millions of speculators using custodial wallets. So it seems that many (likely most?) users didn't actually care about the "feature" of being able to self-host - what they actually wanted was a higher yielding bank account. Hence the reason so many people don't really believe it has much of a future as a fiat replacement.