100% agree on wallets being signers. Bitcoin does suffer from bad UX terminologies; perhaps they should have been called keychains, as a lot of people today recommend.

A custodial payments app powered by the lightning network is completely justified to get new people onboard or simply if you want things to just work. People need to realize that good custodial lightning companies are not bad. There's always a choice in bitcoin to host your own node and that's the important part - that there is a choice.