Users are leaning towards what is easy to use. Ark, Cashu, Fedimint, etc., are optimized for simple UX. This is where the final user will live.
Discussion
Even if it seems like we are building a system with the same characteristic of the old TradFi one, we are doing so on a barer asset and in a permissionless manner.
Lightning is the expressway to connect everything.
Trustless, instant finality, real Bitcoin and battle-tested in the real world.