The ability to download an LN wallet and receive money instantly is a privilege of financially free societies.

In jurisdictions where banking and finance is restricted, people will have to put time/effort/capital into building their own lines of credit (inbound liquidity) and trust networks (channel management).

Where there is a will, there is a way.

LN is a Hawala Network in cyberspace.

It exists today for those who NEED it. You don't want adoption to happen too fast. The network will resist over-adoption by raising fees. The network must grow to support the adoption in tandem.