I’ve been playing around with Argent for a while and the UX is quite seamless. I do really think that there are technical solutions to problems that make noncustodial wallets unwieldy for the everyday user. Social recovery, for example, was a major innovation that solves the fear of lost wallets.
I think if we can get the UX down to Google/Apple Pay level of ease, we would see major adoption.
Custodial wallets should not be a necessity.