Why is "maximizing adoption" the goal? Good ux without sacrificing privacy and sovereignty should be the goal. If 80% of normies are never gonna use it correctly anyway, why are we chasing them down and making sacrifices to get them to use it poorly? When the goal is popularity you will get this kind of product.

There are bitcoin apps you can download and "just use" without sacrificing sovereignty if you use onchain, even without your own node (though it's better with). Fees are low. There's little need for lightning. I don't outright hate lightning, but it has yet to deliver what it was advertised as and it's almost 10 years old.

Also Mary had other kids, she didn't stay a virgin.