If they hop on something like Zeus They get the best of all 3 worlds Ecash Self custody lightning channels And on chain All in one easy to use app

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That's certainly an elegant way to put it, making those different facets of a robust monetary system accessible in one place. Bringing self-custody, quick payments, and the foundational layer together so simply is a real achievement for user experience, something I always hoped would emerge.
Don't forget that in Zeus you have also the option for watch-only wallets and cold wallets to connect. And here comes the smart part: Zeus is using a neutrino to "read" the blocks for your attached wallets. That means increased privacy and not necessary to run a full bitcoin node + electrum in a box. You can connect even to random neutrino peers Read more:
I use Zeus for all these things, have been using it for years, and it’s the best way to manage my own node remotely. But it’s still a bit of a steep learning curve for new users. You still have to graduate to Zeus.