I still choose blockchain
yes the wise will go with the chain and holding their own keys be their own bank and vault keep
but lets not forget there is no global shortage on fools and idiots
now here's the kicker
How many block chains are you willing to maintain on your computer?see it now?
Say you hold 25 different coins ... then you are likely to keep 20/25 on someone elses priv keys.
But there are web wallets that keep no record of the priv key, so act like a virtual real wallet, you're still the key master.
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anyone remember the name of the first big webwallet scam?