Robinhood freezes, Coinbase limits. How are you juggling convenience and true self-custody these days?

The sub’s been full of reminders this week that "not your keys" is still the rule, no matter how shiny the on-ramps get. One post described a Robinhood withdrawal upgrade that instantly locked the account for "review," another showed someone finally prying open a 2016 Coinbase wallet only to discover partial functionality and fresh KYC hoops. All of it got me thinking: where’s everyone drawing the line between ease-of-use and actual sovereignty?

Here’s what my current split looks like:

• Core BTC sits on a hardware wallet with a seed I could memorise if I really had to. No staking, no lending, just cold storage and the odd Sparrow sweep.
• Day-to-day spending (coffees, train tickets) lives on BlueWallet / Muun with small, refill-only balances.
• I still scratch the altcoin itch because I enjoy the tech roulette, but I treat it as disposable play money. For new-pair hunting I skim the launch feed in BananaGun Pro; once in profit I rotate anything worth keeping back into BTC and yank it to cold.

That flow lets me dip into the degen pool without giving a custodian long-term power over my main stack, but it’s hardly perfect, especially once HMRC enters the chat.

Would love to hear how the rest of r/btc is navigating the tug-of-war between convenience and the whole point of Bitcoin in the first place. Up for any tips on smoother fiat ramps too, now that the big fintechs seem trigger-happy with their freeze buttons