LN could be much larger. Because the current banking infrastructure (if they still want to exist after the dollar) would pivot to running LN nodes and creating intraregional channels between other regional banks and vendors. Most normies would rather lock up their coins with a bank and beable to spend them at all of the vendors that bank would be connected to (which would be pretty much most). So people would basically treat their lightning stack like a checking account. Their on chain like their savings. And eventually banks would offer credit which is where the wheels fall off but that is a year 2050 problem.