Big picture, you've got people putting their savings in a couple on-chain addresses. And have a revolving channel to a lightning node or two from their house (like core lightning just running) their phones have an endpoint like Zeus to spend from their LN Node and zap as they see fit with their paycheck coming in through Strike (lightning withdrawal) out to their own node liquidity. (Until direct deposit forms are replaced by Lightning withdrawal forms Node Pubkey and all that.) BOLT12 would be huge but not entirely necessary. We are not that far away from this reality.