pull down to refresh

I guess it depends on your view about the greater "purpose" of Bitcoin. While self-custody is obviously the optimal way to hold bitcoin, I don't believe having the ability to self-custody is the be all and end all of Bitcoins existence. You can already self-custody fiat cash.
Its more about the solid monetary properties.

Bitcoin replaces central banking, not retail banking.

Everyone doesn't need to use bitcoin natively for Bitcoin to fulfill its objectives. Most will use it custodially - even bank with it! And that's perfectly fine.
The most important aspect is that it can't be debased by governments.
(all in my opinion of course)
And i guess to bring it back to your post, that is to say LN works great when those facts are accepted.