While you're right that until we're in the $Bn of value locked it isn't a concern -- it is a big stretch to believe that the pleb culture will scale if stablecoin adoption grows substantially on LN.

By definition, if we get more mainstream adoption we will get less small-node/pleb culture.

Focus on the overarching human qualities - greed and fear; This itself heavily incentivizes choosing the chain with the stablecoins.