One of the first things people get wrong about crypto is the wallet. A crypto wallet usually does not "hold coins" the way a physical wallet holds cash. It is mostly a tool for managing keys. Those keys let you authorize transactions. The ledger is public. What matters is who controls the signing authority that can move the asset. That is why self-custody matters so much. A bank balance is usually a claim on an institution's ledger. A crypto asset on a public chain can often be controlled more directly if you control the keys yourself. That is a huge shift. It is also why responsibility shows up fast. If you lose access, there is often no help desk, no reset button, and no adult in the room coming to save you.