The issue with Lightning is mainly the channel capacity, most people fails to understand even the physical wallet limited-capacity metafore because an empty physical wallet can still be filled, there is no need of an initial "fill-up to the desired maximum", the user-facing complexity is simply too much for average Joe and the channel issues of those who choose third parties does not help. BUT on the other side the crappy IT of banks and fintech, limits and fees, push anyway people to look for something else. Who will prevail and when it's still to be seen.