That's the pseudo ideal network configuration. Everybody running their own LN node. Which means a lot of Bitcoin locked up for enabling only small payments. Or you end up again with some Bitcoin OGs running big centralised liquidity pools, putting a target on them for doing money transmission without a licence. The bigger the payment you want to make the more liquidity you need to route the transaction. There are ways to split transactions, but they come with their own failure rate. LN theoretically means a great expansion of functionality. I wouldn't just give up on it. But it really isn't the solution many people propagated it to be in 2016/17.