Pretty much everyone. There's a reason people lost money with ftx, Mt gox and other scams.

Managing your private keys is cumbersome, error prone, requires some computer literacy, the list goes on.

Tbh I have been kind of impressed by how fast L2 businesses brought back centralisation in every possible way. I guess it's more efficient for them.

In the same way, the internet was supposed to be decentralised, everyone being in charge of their own servers. But in practice nobody has the time to set up their own MX servers.