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 Many are here to be their own bank.  Hopefully LSPs in Lightning can scale to include anyone, I have read up on some improvements on LSP pools. We'll see how the economy evolves.   
 Fedimints networked by Lightning are literally a path to being your own bank for your friends & family members so that they aren't stuck with untrusted custodians. Arks may solve the problem in a more trustless way. Maybe channel factories or LN pools & hedghog channels will give Lightning better scaling capabilities too.