I'm with you on that. I'm just stating WHY people are using non custodial wallets. Non custodial wallets are just as simple to use as custodial wallets so I don't see it being a problem when Bolt12 arrives. Life isn't fair, sometimes we just need to wait.
100%, Bolt 12 is the answer. LNURL is a stopgap that does a lot of cool things while also encouraging custodial solutions. I think Lightning Labs is a big stumbling block here. They seen to be prioritizing a "stable" coin usecase that could very well be obsolete when they get it into production.
💯 If we had BOLT 12 as we should have ages ago, most of the issues with Zaps would be a moot point as it would be far easier to do things the right way.