What's the biggest hurdle to lightning payment splits? The UX of setting something like this up? Trust of the service for payouts? Privacy?

I've been thinking about working on and implementing something that would help solve problems around lightning payment splits to simplify the UX, where a configurable single lightning address could be used. But this would require trust from the service. However if it's fully opensource and anyone could run their own would help alleviate some of the concerns.

Not sure what the api design or spec would look like at this point, but would love any feedback/ideas.