Oh, hosted lightning's a problem too. But that's being addressed quite well with Zeus, Blixt, and Phoenix. Adoption's not there yet, but Zeus only added the embedded node in the last year.
And then there's Spark, which is seeing rapid adoption through WoS. Still has tradeoffs but I'd call it more accptable than use of a third party node.
What the masses do with their coins isn't much my concern anyway. The scaling debates usually seem to suggest we need to get broad adoption so Bitcoin can be used as money to enrich the community using it. Experiments like Lugano, El Salvador, Bitcoin Jungle, and local circular economies beg to differ. As long as there is a remnant, as
@Alekandar Svetski wrote about, able to maintain a liquid market, Bitcoin will work just fine. Those who don't adopt it will continue to be impoverished and likely gradually move over, or die off as breeding is beyond their economic means.
Most people aren't using lightning because there isn't space on chain -- there is, cheaper than ever (or at least, the Satoshi era when 0 was an acceptable fee). They're using it because it's faster, more private, and arguably easier to handle addressing (though lightning addresses are arguably only about equal with BTCPay in terms of infrastructure requirements).
