Valid question!

I do use lightning. It's fast, it's great. 
Also the best lightning wallets are ones that custody your sats.
The ones that ask the common pleb to run a lightning node in the phone are clunky and inefficient. 

I should not have to jump through hoops to receive or send sats.

Layer 2? So fantastic they had to add a layer 3! 

 You can, but privacy is (far) inferior.