I would agree that there is some "worry factor" while even some of us (yours truly included) are not 100% clear on Lighting rules and channel liquidity, it is almost impossible to ask/encourage new guy to participate and have 1 mil sats channels (1M is $1000 mind you) just for buying coffee and movie tickets once in a while. Phoenix mobile wallet and Blink making it easier for a new folks to grasp or experience the new cool reality but there is a rather steep learning curve and not everyone will make it... IMO. YMMV