I have the not so popular opinion that using lightning in a custodial way is fine.

I do wish that somebody builds something like this: a LN wallet that allows to split your balance across several custodians, yet has a UI simple enough that users can also ignore these details if necessary.

With that, we could have people store their small, day to day LN fund across a few reputable custodians, minimizing the risk of a full rugpull and promoting competition across custodians. Add chaumian ecash a la Cashu and you have awesome privacy.