That’s a pretty US centric point of view tbh. For many a few hundred dollars is everything already

Then they won't benefit by paying exorbitant fees to be on chain or by spending fees and loads of time managing a lightning node anyways.

If they're too lazy to care about who has access to their life savings then it's going to be a hard lesson for them at some point in the future. Best we got is to educate people on the pros and cons. The pros of self custody on chain far outweigh the cons for large sums of money. For small sums of money, the pros far outweigh the cons for custodial lightning. The con to custodial lightning are that I risk losing an amount of money I'm... okay with losing...