If nostr:npub180cvv07tjdrrgpa0j7j7tmnyl2yr6yr7l8j4s3evf6u64th6gkwsyjh6w6 meant having your own LN node, managing your own channels and liquidity and having enough Bitcoin to afford the channel opening / closing costs, then yes. LN is very limited and there's no way we can scale the usage to everybody.

But if we are talking about financial services based on LN infrastructure then I think it can be done, but that would be classified as L3, further removed from the security and immutability of the base chain. This is how I see the space moving towards, Lightning nodes are banks, trustless banks.