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.