Your definition of “doing it right” isn’t mines, this is the way we onboard users and it works, they start with custodial LN wallet and then learn about self custody cold wallets along their journey depending how deep they wanna go down the hole, options allow for less friction to onboard. If you tell someone they can ONLY use bitcoin or monero if they run their own node and have their own cold wallet the moment you introduce it to them and they can’t even interact with it until they’ve spent 100s of USD in order to set themselves up, you’ve lost them.