Lightning and complementary tools allow for the ordinary super-user Joe to run a lightning node and become a custodian for others.
I agree that not absolutely everyone is going to run a node. But with all of the following...
  • Going from a situation where you only have a handful of possible custodians (the banking oligopoly) to thousands of options (anyone capable of running an LN node with a decent service level).
  • A new money that can be moved and settled instantly with a click, spread upon many entities and programmed to do all sorts of stuff.
  • A system that escapes regulatory handcuffs and basically follows natural law.
  • Innovations appearing and evolving at an exponential rate, with tremendously promising stuff like Fedimint on the horizon.
... I believe we are going to see a very competitive market for custody that will give end users plenty of options to have a great experience with a more than decent trade-off in terms security.
And now that I'm finished with my polite and reasonable answer: you sound like a pretty sad fudster. Your bold statements (Lightning is a step back), usage of stupid buzzwords (swapping smart contracts) and imperative-collectivist speech (It's time to admit) give away that you are not here to help, build or celebrate, but rather to misinform and confuse.
Here is to all the sats your post is not going to collect.
It's not as easy as downloading bitcoin core or sparrow and owning your keys. That's the problem
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