almost nobody does this. it's too difficult, and even if you delude yourself into thinking it's easy there is not enough room on L1 for everyone to do it. there is a hard limit on how many people can do self-custody lightning. 

 We are very far from reaching that limit 

 bitcoin UTXOs worth $50 or less have become unspendable more often than the solana network has crashed. we've gone over the limit several times. having lightning doesn't fix this for anyone except custodial wallet users.