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Yes, for most people running a full custody set up is too complex.

Coinos solves this.

Hold your L1 sats in self custody but use LN via Coinos- this is the way for most people to have the right balance between utility and effort.

Even Big Talk tech wiz @DarthCoin admitted that using real sats via LN here on SNs was too much effort and too much strain on his nodes- so he used CC shitcoin 'because they always work'.

LN has a long way to go before it is ready to replace fiat for MoE everyday but by using coinos or similar LN wallet everyday we can build toward a stronger LN.