But this could be done with a custodial lightning wallet just the same. That’s the confusion.
I could spin up a lightning node and web server at mynewlightningwalletfornostr.com and when anyone makes an lnurl call for an invoice to npub@mynewlightningwalletfornostr.com I’ll provide one and store the sats under that npub internally. When the user eventually comes to claim their sats, they prove they control the npub and the sats are there waiting for them. You can make npubs the internal account system - that part is trivial.