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Lightning is a layer two. I believe it is a vital part of bitcoin's future as a medium of exchange. I doubt it is the end game.
I think, at best, it'll facilitate B2B but probably not scale cost effectively for everyone.
you have no idea what is doing LN.
Going forwards, not every user will be able to afford their own channel. Even if they could, it is not always cost effective to do so.
You are wrong. Is not even necessary for every user to have a channel. We already have many solutions.
What solution grants every user access whilst retaining custody? Trusting a custodian is not a valid answer.
Why do you think we are "early adopters"? Just to stack sats doing nothing? Be prepared, learn more, prepare solutions for your friends and family, be their bank. It is nothing wrong to be a private LN bank for them. Read:
I thought Lighting was the pseudo-solution here.