I also have this "vision", that from now on, OG bitcoiners, knowledgeable and well resourced node runners, should start building local small community or familiar "LN banks", where the costs of opening/closing channels will be "shared" and help more normal users to use Bitcoin, but still with a limited trust.

In the past I even wrote a guide about how to build these "private LN banks" and what solutions are available.

I've tested your solution with Lightning.Pub too and I like it, is very easy to start and use. We should make more noise about it, even that is in an early stage, is still usable and only like that we can make it better, testing and using it.