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those that inevitably get left behind when that timer expires
Yes, which is why framing and preparedness are important. OP is closer to the mark than self-custodial but about as one dimensional.
Last time I checked there were still proprietary components too
There are. 50/50 They aren't robust enough to open source and not worth making robust enough without scale, or it'll be part of a moat.
Yes. I mostly worry about those that inevitably get left behind when that timer expires. Last time I checked there were still proprietary components too, which makes it riskier.