You’ve got me thinking..🤔 

Yes, they need a way to create invoices. Lightning is anonymous and there isn’t a way to send money without an invoice.

But, with BOLT12, I’m not sure that’s the case anymore.

Is there not decent custodial options for businesses to use or do the absolutely have to have a node? 

The barrier to entry seems to be the understanding of how to run a node and managing (automating) its liquidity, but if you see my other post asking what to pick, nobody knows the answer. There are too many different ways to do this.