re your answer to #3: you literally just pretended that user friendliness is equivalent to sovereignty. it's not. it doesn't matter if lightning gets "easier." if you don't own a UTXO and use it to open your own channel, it's someone else's money. and bitcoin is designed right now so that there is not enough room for lots of people to own and interact with their own UTXO. in a mass adoption scenario with small blocks and lightning, the number of  people who can be sovereign is way smaller than the number of people who want to be. 99% of the population gets shoved into a centralized custodian. that's just not going to protect decentralization.