These early Plebs and Maxis (like you and I) will definitely enjoy the benefits and ease-of-mind from non-custodial LN. However, in a hyperbitcoinized scenario, the majority of people will never have non-custodial L2 (L1 or saving is different IMO), and that's okay. Moreover, because there's currently no way to have non-custodial LN without opening channels (I hope this changes), LN as a payment solution can only scale with custodial solutions. I like Nik Bhatia's idea of LN banks and I think that's where it's headed. Now, don't get me wrong, I'm all for non-custodial L2 solutions and would support any efforts to make this happen, it's simply not the current case for scaling in billions of people. My 2 sats.