I think the point is you’re always going to have trade offs when you aren’t using Bitcoin. Lightning is a good trade off for small transaction and I prefer to use custodial lightning wallets like River. Super easy to use, and if I keep ~$1k of bitcoin on River, super low risk.
I know a lot of people don’t agree with that but I’m fine to trust River (not coinbase) with that amount and let them manage the lightning channels.