Hate to sound black pilled, but this shows MASSIVE incentives to centralized custodial wallets and exchanges to do everything they can to make the layers unaccessable to normal people.
Discussion
It is a scenario.. that I hope we will avoid. I see a future where early adopters will act as "bank for relatives and friends", lightning network liquidity provider, and other stuff to optimize the network fees for the one close to him. This could have been made for just act of kindness or because of other incentives..
Anyway lightning network wasn't around long ago and in the next years the number of devs and new people that will start to build on bitcpjn will be massive, and we can't see what will it look like.. yet.