I get your view point and it makes sense for an expert user, but you cannot realistically assume people will manage LN nodes and liquidity in their lives, there needs to be an alternative (not saying it is ark, or spark or cashu...) that is less custodial as possible, with good privacy and that you would be able to use by just opening a mobile app (no fancy liquidity management, just a secret/seed/key to backup and that's it). Otherwise the majority of people will just use "custiodial bitcoin banks". As much as I want LN to succede even further, I think the channel structure of the whole network does not scale really well, what I mean is this: the best would be for a thousands of small LN nodes (friends, family, small communities), but as much as we like it, we know that will never happen at full scale, so the other scenario is for fewer but bigger hub nodes, which is what is happening today and that I think will become (in my opinion) unfeasible to manage for a lot of users (think of acinq in an immaginary future with million of users, they will need to have massive funds locked up on channels, I am not sure this is economically viable in the long term). So just to say wee need alternatives and/or integrations with other systems.