Well then you didn't understand what I wrote. You look at it from a personal perspective. But you should look at it from a system wide view. Why is it that the banks hold the power in a fiat world. Because they have custody over the money and because of that they can create money out of nothing making everyone a debt slave to the system. Even if you do not have personal debts. Your government makes them for you. Becoming a debt slave through taxation.

So you want to give this opportunity in bitcoin also to them by not holding your own money. Well you keep your SATs in the exchanges ( the new banks of the future) and bitcoin becomes like gold and Fiat money. Used by the powers to be against you.