LN definitely requires division of labor. routing and managing liquidity is for specialized entities. end-users can interact with LN through the LSP model

the way Phoenix, mutiny, breez etc works is close to be consumer grade imo. the biggest pain point is still the limit of the protocol itself - inbound liquidity, and the need for the occasional on chain txn

covenant based models such as ark and timeout-trees don't replace LN. they enhance it by better handling the last mile problem. leaving LN to function as a very reliable real-time funds mover