"Be your own bank" should be for everyone!

I miss the old days when bitcoiners talked about empowering billions of unbanked people around the world.

Now the prevailing attitude from many seems to be "If you can't afford to make a transaction just don't" and "just use custodial lightning"

Are we really fine with building banking system 2.0 and financial self sovereignty only for the wealthy?

Because that's exactly what we already have today minus a hard cap on the money supply.