'Maybe multipeer channels make things better, where people in the “spending more than saving” part of their life could peer up with others doing the opposite. '

This.

If a person starting out can find others who are selling down then its the perfect match and avoids KYC and CEX fees etc.

Think decentralised- find peers and deal directly.

The other thing I would suggest is start with Coinos.io LN wallet- its so easy to use for MoE and could also be used for small scale stacking as long as you have a good onchain wallet like Electrum to send stacks to as you build your savings. Coinos fees are close to zero compared to others I have tried.

IMO it is important newbies learn to operate wallets onchain and LN and enjoy the freedom of P2P trading and MoE...free of intermediaries as much as possible.

Depending on your situation often simply discreetly asking around your social network of trusted friends and family you can find several hodlers with sats to sell (or visa versa) - I am far from a social butterfly but found several significant stackers within my immediate circles who are on occasion keen to buy or sell directly P2P.

Build p2p networks where ever possible.