I get it, but for a spending situation and an amount like 20k sats it is okay to not pay Alby and host your own node for 30k a month - don't you think?

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Using a custodial solution for absolutely anything is absolutely 100% never ever ever okay. Promoting custodial solutions is about the same amount of dangerous as promoting Philip Morris cigarettes to children. Why do you want to kill children?

While I do appreciate your comment, real-world payments on the street expect a confirmation of transfer within a few seconds.

We both know that Monero does NOT solve that.

Lightning does solve small payments. For larger transactions above double dollar digits, things like renting a room or buying a car then monero is perfectly suited.

Forget about idealistic radicals, custodial lightning is a real sub-optimal solution and will be for the near future for many people. Nice!