Lightning is just reusable on-chain transactions, that's as decentralized as Bitcoin is. A family or business only needs a channel or two. It doesn't require excess capital, it only requires you make a transaction you would have anyway. Making nodes easier to run is the lowest hanging fruit, that's what Pub does. Making them easier to access is what CLINK does. Lightning is Bitcoin, dissatisfaction with Lightning is dissatisfaction with Bitcoin itself. One is emergent of the constraints of the other. There's no new levers to pull, just trust and centralization.