No, that's exactly it. People love the idea of decentralization and doing things on your own, except then they realize that it's actually kind of hard to be off

No, that's exactly it. People love the idea of decentralization and doing things on your own, except then they realize that it's actually kind of hard to be off-exchange and still be liquid (whatever the hell that means in crypto-land). So basically no real change except they're much more exposed to risk (fraud and market swings notwithstanding)