I think the real trouble, at least for me, isn't the on-boarding part as much as it is the expense of a non-custodial lightning wallet. I live paycheck to paycheck right now, and I'm more than just a little embarrassed to say I can't afford to lock up $100-200 to open a lightning channel so I can transact on my node. The node itself is easy enough, a RaspiBlitz, but even that was an expense. It's a little pathetic, I know, but I hope I will be able to open a channel or two back up at the end of the summer.

That's a situation I'm sure that a huge section of the population is also in.