Does self custody actually matter when using Bitcoin products?

Self custody is one of the core ideas behind Bitcoin but it gets a lot messier once you start using products built on top of it.

When you borrow, spend or earn using Bitcoin, you often end up giving up some control, even if only temporarily. Sometimes that tradeoff is convenience. Sometimes it’s access to better rates or features.

For Bitcoiners specifically, I’m curious where the line is. Does self custody still matter once you start using financial products or is it acceptable to give up control if the terms are clear and reversible?

How do you think about this in practice? When is self custody non negotiable, and when are you ok making exceptions?