It’s getting easier and easier to see a simple non-custodial wallet that offers four balances

Ecash

Lightning

On-chain

Stablesats

And in settings allows you to manually set

A mint

An LSP

A block explorer

A dealer

All of which you can access over Tor

All of which you can switch on the fly so these services must remain honest and competitive to retain users

Yes this is reasonably complex, but compared to the current closed source banking system and closed source payment layers? It will change everything