It makes more sense to wait for banks to integrate lightning if you don't want to run a node. Which by the way is literally just having a PC run some software. If you think THAT is unimaginable for the average person, I guess CBDCs are in your future.
Discussion
lol I run a lightning node, I know what's involved. Now scale that to utilize the entire global financial system.
I mean, yeah I have literally modeled that out. It's not hard at all.
Basically a federated model of both communities and bank to vendor ecospheres.
Community goes:
Individual->local shops
Local shops-> regional shops
Regional-> State
State-> Country
Bank federated model:
Individual-> local bank
Local Bank-> local shops & regional banks
Regional banks-> regional shops & state banks
In this model likely people would run custodial bank lightning software your "Bank account" is just your receiving channel (direct deposit paycheck) and a spending channel (likely equal to your paycheck as collateral)
The community solution is more sovereign bit most people don't care about sovereignty.
So, that's how it scales globally. (Sorry if this isn't detailed enough, I just don't want to retype an idea I have shared many times)
With that scenario Bitcoin has lost everything. Congratz to everyone who celebrates the merge between govs and Bitcoin and banks and Bitcoin.
I mean, okay. Even if the main way people use Bitcoin is through a bank, it's auditable, immutable, scarce, and has to be used within the consensus rules. The Bank's incentives align to be honest actors because they take transaction fees by running the routing nodes. Charging too much, you switch to a cheaper bank. The point is that Bitcoin doesn't solve the problem of people, it just makes them play more fairly.