As someone who actually tests different wallets regularly and gives user feedback, I can confidently say that there are no silver bullets yet, and self-custodial Lightning is a chore to set up for most people. The masses aren’t coming to learn about liquidity and channel balancing and HTLCs. You have to want to use it because you care about the MOE case for bitcoin. In Western countries, it’s not really needed yet, but in some parts of the world, it’s a matter of survival.