I will say this, I have no problem with lightning being a "bank to bank" network. There is no perfect way to solve scaling without trade-offs. And no one forces me to use lightning. I choose to in certain circumstances. I ran one of the first 200 lightning nodes on the network, but I don't run one anymore.
One thing that worries me about core at the moment is that we maybe headed towards people making the same type of decision about running full nodes.
At which point Ethereum, Solana, they're probably better networks anyway.
But I'm also not convinced that's where we're going yet. It's interesting times.
To be honest, I'm too tired to think about it anymore.