I suspect few people in the world have interacted with more individuals who lost bitcoin than I have.
I answered support tickets for a non-custodial web wallet that, at the time, was the most popular...
The higher the USD bitcoin value, the more nerve wracking it can be to move funds, consolidate utxos, etc. I think about aging as well, and what might be an iron-clad security posture now, could be a point of failure later. Btc security will evolve with the needs of the HODLr, and my sincere hope is solutions get developed to bolster sovereignty, not reintroduce trusted 3rd parties.