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 Not Your Keys Not Your Bitcoin ETFs is the road to serfdom.

Don't let friends and family travel this road. 

Teach them how to be a UTXO owner.

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 Wouldn't you say custodial lightning is a form of ETF? 
 Yes, but the lightning network has different trade-offs. 

People are more likely to use ETF's for retirement. I would never tell someone to keep their retirement on WOS.

Keeping 100,000 sats on WOS you plan on spending anyway is a different story.

I used my own self-hosted my own lightning address before, but payments failed all the time. Because of this, sovereign lightning addresses pose more risk (not recieving zaps) than using custodial lightning solutions.