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The issue is that I don't think lightning is ready. Custodial LN like wallet of satoshi is an amazing experience, but its still fundamentally not your bitcoin. Phoenix is good but expensive 0.4%. OBW is great, but has pretty much been abandoned. Blixt... Getting better.
These things take time. They will get better over time with other scaling solutions & improvements to LN
Absence of good tech solution sounds good to me. I hope that Ark could bring some more accessible non-custodial solutions.
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Yes
I mean if we really imagine the future of Bitcoin as a MoE it needs tohave the feel of wallet of satoshi/cashu, but be in your custody & free or almost free to send
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