MSTR will likely be a Bitcoin investment bank by 2030.

Most people will use intermediaries to use BTC. For various reasons. (complexity / costs / risks / smaller transactions / regulations)

I think he's just selling it to TardFi and telling them what they want to hear. He's using the lightning network for some projects within the company I believe.

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I don't think MSTR makes it that far. I don't think there are such thing as investment banks in a bitcoin world.

The free market is a far better capital allocator

Corporations such as investment banks can be part of the free market and provide valuable services too sir.

They can but they are mostly a fiat creation and won't exist in a bitcoin meritocracy.