The question too, is how much security should be used to secure small amounts?  Right now, an on-chain channel is massive security, and, as such, it has a significant cost.  
Cheap solutions for small amounts is a very hard problem, and it could very well be that there's no real solution to making self custody for small amounts flawless.  
The hosted channels I mentioned is not self custody, but could provide an entry point and done in trust minimized ways.  Fedimints are lower costs financially, but the trade off is trust distributed across trusted custodians.  
There are always tradeoffs.


So far, hasn't been enough incentive. But there are some possible solutions. Hosted channels, for one. Ark virtual utxos might mitigate it. Splicing reduces onboarding costs. But, ultimately, I think lightning will be a solution for service providers and merchants mostly. Other tools will probably come along, like Fedimints for example. Ln is L2 and there will be more layers.