Most of newcomers will use of custodial LN wallets. And that's the proof why:
"Brian Armstrong, CEO of cryptocurrency exchange Coinbase, said that his company holds around 2 million bitcoin worth $39.9 billion as of September 30, 2022"
And all this above - regardless of endless warnings: "Not your keys, not your Bitcoin."
Don't expect that tilting at such windmills - is our biggest problem to solve and try to fixing it will be in any way successful. Of course will not - just due to human nature.
You can change human nature only a bit. And only by greed or by fear. Period. ;)