I agree with that. I also want to see more "uncle Jim" LN banks (as i described in this guide).

The only thing is that these "private LN banks" should educate very well their users and DO NOT lie them or trying to fool them with mumbo-jumbo language. Tell them from the beginning that this is NOT a self custody / self responsibility solution and they should NOT use it with all their money, just small amounts for regular day to day expenses. A simple custodial account in a private "uncle Jim" LN bank is just OK, if you keep it in control.