I love the sentiment but this is just putting another name on custodial Lightning wallets.

If you're using hosted or "unbacked" channels you're 100% trusting the channel provider not to rug you as you have no on-chain claim to funds.

Wouldn't a better solution honestly be pushing people to swap for a chunk of Monero and spend that? Great privacy, low fees, etc. etc.

If they're worried about exchange rates they should only swap in as much as they need for the month or similar.

Wouldn't that be better than giving up custody for convenience?