I hope someday SN will offer lndhub for SN accounts. Users could use SN wallet in Zeus or Bluewallet app directly.

Hosted channels and lndhub are a good simple way to onboard new users.

Later they can add more self custodial wallets once they learn more.

I explained here a scenario that experienced bitcoiners should do: LN banks for friends and families https://darthcoin.substack.com/p/bitcoin-private-banks-over-lightning

Nothing wrong with some level of custodial accounts, if the user is well informed.

Also if are not KYC could be a good decoy mode to receive sats with increased level of privacy. As I explained in this guide https://darthcoin.substack.com/p/operating-with-ln-as-a-merchant