I believe half of our problems will be solved once bitcoin becomes the fundamental building block of our financial system. L1 doesn't have to be and will never be used by everyone, certainly not for small amounts. Majority of population can use trusted lightning custodians, and that's perfectly fine, as long as there's healthy competition between those custodians. 

I see L1 as a savings account for large sums or monthly/quarterly/yearly settlement layer where output UTXO(s) value is 99x higher than the fee paid for that transaction. 

The phrase "Don't trust, verify" doesn't scale. In reality it should be "don't trust, verify where applicable". The world isn't black and white. The element of trust is inevitable part of life. We just need to find the balance. 

I don't see bitcoin adoption to scale to every single person in the world without the trust.