Unless lightning is accepted everywhere in the future, for now you can't live fully with lightning, there is a moment you will have to do on-chain transactions for using lightning
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But you can also use custodial services. Most people will rely on that and don’t use own nodes or channels.
Btc have been created to avoid using any custodial and third parties, but bitcoin future may depends of custodial services 🤔
Bitcoin wasn't created to avoid intermediaries, it was created to avoid trust because you can validate transactions yourself.
That you need someone to help you make the transaction is nearly unavoidable, as soon as you want to move it. If nothing else, you need a wallet.