I agree with you said. HC can be solution. 

Yes, I see a very good use case for HC.
And I wrote here a scenario for people that want to implement it.
https://github.com/Darth-Coin/Poncho-OBW-testing

Many see hosted channels as a "custodial solution" but IS NOT!
Wrong point of view.
If you run your own hosted channels, are those "custodials" ? No way!

DarthCoin

If I open a HC in OBW from my own node with Poncho, is that custodial to you?
Learn before saying something stupid.
People like you have no idea how HC works but they have "opinions"...