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I think lightning will be relegated to the background for normies, many of them will probably first experience bitcoin on lightning in the coming years.
For example something we do on the Bitnob app is let the user scan a QR and we pay via lightning or onchain depending on the QR without asking them to select "Lightning or Onchain" as the payment channel
Or maybe even USD/EUR payments routed over the Lightning network. So people not even know they are using lightning.
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Is there a cost to doing this?
e.g., If I deposit via LN and then withdraw on-chain, beyond on-chain fees?
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No there isn't any extra cost to that beyond onchain fees
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