I obviously currently have a lightning address, but for the longest time I was very hesitant about zaps, specifically.
This is a concept I still don't really like but the idea of but Before private and anonymous zapping was a thing, I didn't like the idea (and still dont tbh) of a list of who sent who money that is open for anyone to read. I know Bitcoin is pseudonymous, and attaching any form of identity to these payments is still a little bit troublesome for me. Obviously, I've relaxed a little bit the way I feel about it, but it's still something in the back of my mind that bothers me.
Also, I refused to personally use custodial solutions and waited until I could run things myself.