I see that problem of onboarding billions into LN. I even think it my be even harder to create your own channel (there may be channel factories but It will still be difficult for a person to open her own channels). That is why I am just creating channels with everyone, leaving them with 10-25% on my side, and using the rest for more chsnnels. Those open channels might be useful since it is empty LN capacity that might be able to fill or lease in the future.