Use the model of "Uncle Jim" LN Bank. Each good bitcoiner can run such a bank in his near by community, or just for its own family.

And nobody can stop these type of LN Banks.

Lightning network is already ahead of Bitcoin banks.

Lightning makes lots of things obsolete. Altcoins, Bitcoin banks, wrapped Bitcoin, stablecoins, video calling services, etc.

We've seen how shitcoins turn out. They all die.

Bitcoin is already wildly better than the OG devs imagined.