And after 11 years, Bitcoin for example only has 6 million addresses globally.

Obviously the mass market doesn't want to own their own keys cause they have no motivation or have the technical ability to understand and operate

That's why so far only attract the geeks into the crypto space. If we want to attract 100 million users, we need to be user friendly and do it for them - ie. help them protect their keys, make it less technical to them.

Not your keys not your crypto is correct but unfortunately the real world psychology of mass market doesn't care. So it's not wrong to be centralized in a decentralized world, as long the community can verify the transparency of the centralized party.