Seems to me that a custodial lightning wallet is the ONLY option for the vast majority of humans on planet earth. I certainly can't afford to open lightning channels up, and I can't even understand how it's feasible for me to have to open channels as large as the payment I intend to receive in order to receive payment.

If someone wants to give me 1 million sats but I haven't got a pot to piss in, what am I supposed to do? The obvious answer is for me to use a custodial lightning wallet of some kind to receive the payment, then I can self custody to my own on-chain wallet.