Long term, I’m optimistic for the reasons you mentioned. The near term could be ugly, especially with rapid price appreciation and influx of adopters.
I’ve been bringing this up mostly to bring attention to the dishonesty of people, like Saylor, who talk about how revolutionary self custody is, but leave out the fact that only a few million people will be able to do it. Plus, in his case, advocation for no more soft-forks ever (to address limited availability of self custody) and KYC/AML/tax compliance built into the LN bank apps, so as to not threaten the power of the State.