Necessarily you need custodians for layer 3 scaling (credit) unless there is some feasible ruleset where credit principle can be reclaimed from the recipient in some sovereign way. Layer 2 can scale entirely sovereign such as in the case of Lightning. It just takes work or a benevolent company to FOSS streamline nodes, software, and guides start to finish.
Discussion
channel management still has a L1 footprint, so even if someone made running your own lightning stuff "really easy" there is a limit to how many sovereign users it can scale to. I would prefer a UTXO sharing type of solution instead of a payment channel solution. something where I can truly own coins on L2 without personally having to migrate them from L1. but that most likely would require a covenants opcode to work well.
The Layer 1 footprint is negligible and will continue to be. The layer 2 channels would essentially be your way to receive and spend bitcoin. Eventually you have your asset on your lightning node, on-chain wallet. You'll have your savings channel, your spending/payroll channel, and any others you'd care to open. You open those ONCE to your transactional node (for balancing). Those, using taproot can be spliced when your wealth grows. We are talking about 3-5 transactions over your life most likely. The only entities that will have a bidding war on chain will be corporate commerce channels. All the plebs will have their channels established for years at that point. Covenants are FUD on layer 2.