One thing people seem to forget is that running your own lightning node comes with a whole other set of foot guns that can cause you to lose your sats.

Not that I'm against it. I have one rolling. Anybody need a channel open to to them?

I've done it. It's great, but normal no corners are just not going to even try to learn. You are gonna watch their eyes glaze over and quit before they even start.

Some corporate Wallstreet app is going to give them kyc and ease of use and they will go that route if it isn't more stream lined.

And the sad thing is, it really isn't even that complicated, the learning curve is small but foreign in concept to most people.