You're probably in the US & have an old version. The new version for US residents is non custodial (I've not used it).

Coinos is one I've been using to orange pill people on V4V.

I think setup is as quick as putting in a username & a new password. Very quick & easy. It doesn't need them to download an app & you immediately get a personalised address.

It's custodial but we're not talking large sums (yet). You'd just change that LN address in your profile & save it.

You can change it back again in a week when your copy of the Timechain is fully synced.