So I'm not sure, because the fees are a deterrent. For this reason, I think if we had channel factories (which we need at some point anyway) I could much more confidently go on a full on crusade against custodial lightning lol.

Covenants would also help this process along with things like CTV tress non-interactive channels (which would to be fair mean more on-chain payments but people adjust what they decide to do based on whatever fees are so I think it can have a place and time)

You can check more about CTV based covenants here: https://utxos.org/uses/

But yeah, its amazing the UX improvements from just scripting things out has gained us, but there are limits to what can be done, and so we should be looking at softforks to help expand beyond those limitations.