It seems both Hayek and finney both believed bitcoin banks would be a natural progression of utxo ownership(although Hayek didn't know about bitcoin he described decentralized base money perfectly).

They believed we would return to an open banking era where many different banks competed for customers. I think it will be these banks, companies who want to operate as their own bank, and high net-worth individuals that will use their own hardware wallets.

The future of lighting will probably be B2B transactions between these companies with occasional closing of channels to settle possible disputes on chain.

Each of these companies/banks will most likely operate their own ecash mint, denominated in sats of course.

Ecash is a private bearer instrument that will be issued by these banks and people will have the freedom to choose which mint they trust and transact sat denominated notes P2P without surveillance.

There will still be many self sovereign individuals who exist outside of this framework, but I think this will encapsulate the majority.