It doesn’t really work for getting paid yet, since many people have paychecks in the thousands of dollars. On chain is better for that. 

clownworld

Lightning is not for saving it was made for expending.
In the utopian future where bitcoin is the global standard currency .
People will get paid in two accounts .
One onchain for savings and one Lightning for daily expenses.
The same way today people decide how much they will put on their 401k and their cash account. 
So for the lightning account you will be using one channel and it will be filled every time you get paid. 

iguano

bitcoin

Custodial Lightning solutions are good

eggos

I'm surprised that none of the comments have mentioned size.

For life savings you might think one thing, for daily expenses you might think another.

There *is* an argument that people will never want self-custody for *either* of those two, but I think they are different arguments.